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
Unfavorable gap of $2.1M · efficiency ratio beats 3% 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 | -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 |