Granger, TX · Cert 3232 · Granger Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
43
Asset Quality
81
Profitability
10
Liquidity
90
Efficiency
3
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.
Granger, TX · Cert 3232 · Granger Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
Market Position · Austin-Round Rock-San Marcos, TX · 2026 SOD (annual) · 0.1% share · #58 of 73 inst. · $0.0B of $70.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| 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% | -1.60% | -1.04% | -1.07% | -1.10% | -1.13% | -0.65% | -0.63% | +44 bps | |
| Return on Equity | -9.74% | -14.17% | -8.61% | -8.90% | -9.16% | -9.56% | -5.88% | -5.80% | +310 bps | |
| Net Interest Margin | 2.51% | 2.61% | 3.15% | 3.18% | 3.24% | 3.10% | 3.38% | 3.34% | +17 bps | |
| Efficiency Ratio | 139.14% | 155.79% | 138.23% | 138.91% | 139.13% | 139.69% | 120.12% | 115.44% | -2,348 bps | |
| Non-Interest Burden | 3.61% | 4.24% | 4.45% | 4.53% | 4.65% | 4.47% | 4.13% | 3.92% | -62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.99% | 12.60% | -2.61% | 8.95% | 3.92% | 11.55% | 6.87% | 11.72% | +277 bps | |
| Loan Growth (YoY) | 156.13% | 223% | 250% | 163.28% | 51.47% | 26.62% | 21.24% | 37.22% | -12,607 bps | |
| Deposit Growth (YoY) | 10.83% | 8.81% | -7.40% | 10.61% | 5.11% | 11.25% | 6.87% | 13.29% | +268 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.02% | 0.05% | 0.05% | 0.17% | 0.15% | 0.24% | 0.11% | +6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -1.67% | -0.78% | -0.48% | -0.34% | -0.03% | -0.01% | +77 bps | |
| Allowance / Loans | 1.38% | 1.38% | 1.67% | 1.51% | 1.39% | 1.35% | 1.33% | 1.25% | -26 bps | |
| Allowance Coverage of NPLs | 30.6x | 65.5x | 30.8x | 32.8x | 8.4x | 8.8x | 5.7x | 11.7x | -21.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.42% | 16.16% | 15.72% | 15.36% | 15.39% | 14.44% | 13.83% | 13.58% | -178 bps | |
| Total Risk-Based Capital | 17.42% | 16.16% | 15.72% | 15.36% | 15.39% | 14.44% | 13.83% | 13.58% | -178 bps | |
| Equity / Assets | 13.75% | 11.93% | 12.20% | 11.94% | 12.01% | 11.12% | 11.16% | 10.55% | -139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 38.17% | 46.21% | 49.31% | 52.04% | 55.00% | 52.59% | 55.94% | 63.03% | +1,099 bps | |
| Liquid Assets / Assets | 20.82% | 13.91% | 9.68% | 7.43% | 4.93% | 7.49% | 3.41% | 3.26% | -417 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 119.14% | 131.64% | 138.18% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 3.34% | 3.28% | 3.82% | 4.31% | Beats 27% | 153 / 211 | ||
| Efficiency Ratio | 115.44% | 53.01% | 64.18% | 73.65% | Beats 3% | 206 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.11% | 0.01% | 0.30% | 1.10% | Beats 62% | 81 / 208 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.58% | 11.72% | 14.45% | 19.57% | Beats 45% | 116 / 211 | ||
| Total Risk-Based Capital Ratio | 13.58% | 11.94% | 14.78% | 20.30% | Beats 42% | 122 / 211 | ||
| Equity / Assets | 10.55% | 9.41% | 11.06% | 12.94% | Beats 42% | 123 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.03% | 45.39% | 66.56% | 82.03% | 42nd pctl | 121 / 208 | ||
| Loans / Assets | 55.66% | 39.13% | 56.90% | 70.46% | 45th pctl | 116 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||