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 | |