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
Unfavorable gap of $18.7M · efficiency ratio beats 64% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.35% | 0.87% | 1.20% | 1.65% | Beats 61% | 83 / 211 | |
| Return on Equity | 12.08% | 7.52% | 11.67% | 14.58% | Beats 54% | 98 / 211 | |
| Net Interest Margin | 3.64% | 3.28% | 3.82% | 4.31% | Beats 43% | 121 / 211 | |
| Efficiency Ratio | 58.07% | 53.01% | 64.18% | 73.65% | Beats 64% | 76 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.78% | 0.01% | 0.30% | 1.10% | Beats 32% | 142 / 208 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 50% | 104 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 12.13% | 11.72% | 14.45% | 19.57% | Beats 30% | 148 / 211 | |
| Total Risk-Based Capital Ratio | 12.13% | 11.94% | 14.78% | 20.30% | Beats 29% | 149 / 211 | |
| Equity / Assets | 11.14% | 9.41% | 11.06% | 12.94% | Beats 51% | 104 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 63.60% | 45.39% | 66.56% | 82.03% | 45th pctl | 115 / 208 | |
| Loans / Assets | 56.14% | 39.13% | 56.90% | 70.46% | 48th pctl | 110 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |