Granbury, TX · Cert 3228 · First Granbury Bcorp
National charter · OCC · 8 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #150 of 166 inst. · $0.0B of $732.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 0.83% | 1.14% | 1.31% | 1.40% | 1.12% | 1.18% | 1.49% | +18 bps | |
| Return on Equity | 11.57% | 8.97% | 12.54% | 13.50% | 13.53% | 10.84% | 11.41% | 13.61% | +12 bps | |
| Net Interest Margin | 3.20% | 3.25% | 3.28% | 3.57% | 3.54% | 3.61% | 3.50% | 3.76% | +20 bps | |
| Efficiency Ratio | 60.41% | 68.07% | 61.55% | 56.70% | 56.71% | 65.37% | 59.05% | 57.17% | +47 bps | |
| Non-Interest Burden | 1.79% | 2.11% | 1.89% | 1.84% | 1.80% | 2.24% | 1.93% | 1.98% | +14 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 / Loans | 1.49% | 1.02% | 0.98% | 0.97% | 0.85% | 0.87% | 0.85% | 0.78% | -19 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.01% | 0.03% | 0.03% | 0.01% | 0.01% | -0.01% | 0.03% | 0 bps | |
| Allowance / Loans | 1.27% | 1.31% | 1.30% | 1.27% | 1.26% | 1.26% | 1.27% | 1.22% | -6 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.3x | 1.3x | 1.3x | 1.5x | 1.5x | 1.5x | 1.6x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.37% | 10.99% | 11.13% | 11.48% | 11.75% | 11.47% | 11.71% | 12.13% | +65 bps | |
| Total Risk-Based Capital | 11.37% | 10.99% | 11.13% | 11.48% | 11.75% | 11.47% | 11.71% | 12.13% | +65 bps | |
| Equity / Assets | 9.77% | 8.84% | 9.38% | 10.01% | 10.74% | 9.97% | 10.71% | 11.14% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.22% | 57.33% | 57.81% | 60.08% | 61.08% | 56.57% | 60.42% | 63.60% | +353 bps | |
| Liquid Assets / Assets | 5.73% | 4.89% | 5.96% | 5.43% | 5.03% | 5.36% | 9.38% | 6.10% | +67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 189.74% | 189.45% | 191.98% | n/a | n/a | |