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First National Bank of Granbury, The

Granbury, TX · Cert 3228 · First Granbury Bcorp

National charter · OCC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

37

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

92

Q2 2024Q2 2026peer median

Efficiency

64

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Granbury, The

Granbury, TX · Cert 3228 · First Granbury Bcorp

National charter · OCC · 8 branches

Q2 2026

$946.3MAssets
$531.3MLoans
$835.3MDeposits
$105.4MEquity
Loan mix
90%RE $454.7M7%C&I $34.2M3%Consumer $15.3MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $597.8M28%Noninterest $237.5MQ3 2024Q2 2026

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #150 of 166 inst. · $0.0B of $732.8B

43.6% Hood
1.3% Johnson

Executive Summary

  • Earnings: ROA of 1.32%, up 10 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.78% of loans (-19 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.13%, up 65 bps from a year ago.
  • Funding: loans stand at 63.60% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.32%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.64%+21 bps YoY

Efficiency Ratio (YTD, annualized)

58.07%-93 bps YoY

Tier 1 Leverage Ratio

12.13%+65 bps YoY

NIM

4.41%Q2 ’244.71%Q2 ’254.82%Q2 ’26+14%+6%

Non-interest income vs. expense

2.20%Q2 ’242.24%Q2 ’252.33%Q2 ’26+1%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%0.94%1.14%1.23%1.28%1.24%1.18%1.32%+10 bps
Return on Equity11.09%10.64%12.54%13.03%13.19%12.63%11.41%12.51%-52 bps
Net Interest Margin3.06%3.06%3.28%3.43%3.45%3.46%3.50%3.64%+21 bps
Efficiency Ratio63.79%64.91%61.55%59.01%58.21%60.06%59.05%58.07%-93 bps
Non-Interest Burden1.82%1.87%1.89%1.87%1.84%1.92%1.93%1.96%+9 bps
Growth
Asset Growth (YoY)2.71%1.75%3.49%5.53%3.39%6.58%1.23%1.72%-382 bps
Loan Growth (YoY)5.95%7.30%5.75%7.80%5.47%3.88%4.13%6.24%-156 bps
Deposit Growth (YoY)0.07%1.04%2.42%4.23%2.26%5.28%-0.38%0.35%-388 bps
Asset Quality
Nonperforming Loans / Loans1.49%1.02%0.98%0.97%0.85%0.87%0.85%0.78%-19 bps
Net Charge-Offs / Loans0.07%0.05%0.03%0.03%0.02%0.02%-0.01%0.01%-2 bps
Allowance / Loans1.27%1.31%1.30%1.27%1.26%1.26%1.27%1.22%-6 bps
Allowance Coverage of NPLs0.9x1.3x1.3x1.3x1.5x1.5x1.5x1.6x+0.2x
Capital
Tier 1 Leverage Ratio11.37%10.99%11.13%11.48%11.75%11.47%11.71%12.13%+65 bps
Total Risk-Based Capital11.37%10.99%11.13%11.48%11.75%11.47%11.71%12.13%+65 bps
Equity / Assets9.77%8.84%9.38%10.01%10.74%9.97%10.71%11.14%+112 bps
Liquidity & Funding
Loans / Deposits59.22%57.33%57.81%60.08%61.08%56.57%60.42%63.60%+353 bps
Liquid Assets / Assets5.73%4.89%5.96%5.43%5.03%5.36%9.38%6.10%+67 bps
CRE / Total Capitaln/an/an/an/a189.74%189.45%191.98%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank of Granbury, The

Granbury, TX · Cert 3228 · Peer group: banks under $1B in assets in TX (n=208-211) · First Granbury Bcorp

National charter · OCC · 8 branches

Q2 2026

$946.3MAssets
$531.3MLoans
$835.3MDeposits
$105.4MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 64% of banks under $1B in assets in TX (rank 76 of 211).
  • Widest gap: total risk-based capital ratio trails 71% of banks under $1B in assets in TX (rank 149 of 211).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.35%

Rank 83 of 211

Net Interest Margin

3.64%

Rank 121 of 211

Efficiency Ratio

58.07%

Rank 76 of 211

Equity / Assets

11.14%

Rank 104 of 211

Non-interest income vs. expense

$3.5M$22.1MINCOMEEXPENSE
Unfavorable gap of $18.7M · efficiency ratio beats 64% of banks under $1B in assets in TX
Bank 58.07%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.35%0.87%1.20%1.65%Beats 61%83 / 211
Return on Equity12.08%7.52%11.67%14.58%Beats 54%98 / 211
Net Interest Margin3.64%3.28%3.82%4.31%Beats 43%121 / 211
Efficiency Ratio58.07%53.01%64.18%73.65%Beats 64%76 / 211
Asset Quality
Nonperforming Loans / Loans0.78%0.01%0.30%1.10%Beats 32%142 / 208
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 50%104 / 208
Capital
Tier 1 Capital Ratio12.13%11.72%14.45%19.57%Beats 30%148 / 211
Total Risk-Based Capital Ratio12.13%11.94%14.78%20.30%Beats 29%149 / 211
Equity / Assets11.14%9.41%11.06%12.94%Beats 51%104 / 211
Liquidity & Funding
Loans / Deposits63.60%45.39%66.56%82.03%45th pctl115 / 208
Loans / Assets56.14%39.13%56.90%70.46%48th pctl110 / 211
Brokered Deposits / Depositsn/aNot reported for this institution