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Granger National Bank, The

Granger, TX · Cert 3232 · Granger Bancshares Inc.

National charter · OCC · 1 branch

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

43

Q2 2024Q2 2026peer median (50)

Asset Quality

81

Q2 2024Q2 2026peer median (50)

Profitability

10

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

3

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 2026-10-10

Granger National Bank, The

Granger, TX · Cert 3232 · Granger Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$53.5MAssets
$29.8MLoans
$47.2MDeposits
$5.6MEquity
Loan mix
73%RE $17.4M26%C&I $6.2M1%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $35.6M25%Noninterest $11.6MQ2 2025Q2 2026

NIM

3.81%Q2 ’244.58%Q2 ’254.79%Q2 ’26+29%+5%

Non-interest income vs. expense

3.26%Q2 ’244.84%Q2 ’254.29%Q2 ’26+55%-14%

Market Position · Austin-Round Rock-San Marcos, TX · 2026 SOD (annual) · 0.1% share · #58 of 73 inst. · $0.0B of $70.4B

Executive Summary

  • Earnings: ROA of -0.63%, up 44 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.11% of loans (+6 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 13.58%, down 178 bps from a year ago.
  • Funding: loans stand at 63.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.63%+44 bps YoY

Net Interest Margin (YTD, annualized)

3.34%+17 bps YoY

Efficiency Ratio (YTD, annualized)

115.44%-2,348 bps YoY

Tier 1 Leverage Ratio

13.58%-178 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.07%-1.10%-1.13%-0.65%-0.63%+44 bps
Return on Equity-8.90%-9.16%-9.56%-5.88%-5.80%+310 bps
Net Interest Margin3.18%3.24%3.10%3.38%3.34%+17 bps
Efficiency Ratio138.91%139.13%139.69%120.12%115.44%-2,348 bps
Non-Interest Burden4.53%4.65%4.47%4.13%3.92%-62 bps
Growth
Asset Growth (YoY)8.95%3.92%11.55%6.87%11.72%+277 bps
Loan Growth (YoY)163.28%51.47%26.62%21.24%37.22%-12,607 bps
Deposit Growth (YoY)10.61%5.11%11.25%6.87%13.29%+268 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.17%0.15%0.24%0.11%+6 bps
Net Charge-Offs / Loans-0.78%-0.48%-0.34%-0.03%-0.01%+77 bps
Allowance / Loans1.51%1.39%1.35%1.33%1.25%-26 bps
Allowance Coverage of NPLs32.8x8.4x8.8x5.7x11.7x-21.1x
Capital
Tier 1 Leverage Ratio15.36%15.39%14.44%13.83%13.58%-178 bps
Total Risk-Based Capital15.36%15.39%14.44%13.83%13.58%-178 bps
Equity / Assets11.94%12.01%11.12%11.16%10.55%-139 bps
Liquidity & Funding
Loans / Deposits52.04%55.00%52.59%55.94%63.03%+1,099 bps
Liquid Assets / Assets7.43%4.93%7.49%3.41%3.26%-417 bps
CRE / Total Capitaln/a119.14%131.64%138.18%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 2026-10-10

Granger National Bank, The

Granger, TX · Cert 3232 · Peer group: banks under $1B in assets in TX (n=208-211) · Granger Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$53.5MAssets
$29.8MLoans
$47.2MDeposits
$5.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
  • Widest gap: return on equity trails 98% of banks under $1B in assets in TX (rank 206 of 211).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-0.62%

Rank 206 of 211

Net Interest Margin

3.34%

Rank 153 of 211

Efficiency Ratio

115.44%

Rank 206 of 211

Equity / Assets

10.55%

Rank 123 of 211

Non-interest income vs. expense

$0.2M$2.3MINCOMEEXPENSE
Unfavorable gap of $2.1M · efficiency ratio beats 3% of banks under $1B in assets in TX
Bank 115.44%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.62%0.87%1.20%1.65%Beats 2%206 / 211
Return on Equity-5.85%7.52%11.67%14.58%Beats 2%206 / 211
Net Interest Margin3.34%3.28%3.82%4.31%Beats 27%153 / 211
Efficiency Ratio115.44%53.01%64.18%73.65%Beats 3%206 / 211
Asset Quality
Nonperforming Loans / Loans0.11%0.01%0.30%1.10%Beats 62%81 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio13.58%11.72%14.45%19.57%Beats 45%116 / 211
Total Risk-Based Capital Ratio13.58%11.94%14.78%20.30%Beats 42%122 / 211
Equity / Assets10.55%9.41%11.06%12.94%Beats 42%123 / 211
Liquidity & Funding
Loans / Deposits63.03%45.39%66.56%82.03%42nd pctl121 / 208
Loans / Assets55.66%39.13%56.90%70.46%45th pctl116 / 211
Brokered Deposits / Depositsn/aNot reported for this institution