BlastPoint's Banking Scorecard
The First National Bank of Granbury
Granbury, TX
8 branches across TX
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
- Deposits +0.3% year over year ($835.3M on the books).
- Delinquency rate 0.79%.
- Return on assets 1.32%.
- Efficiency ratio 58.07% vs a 64.48% peer average.
- Loan-to-deposit ratio 62.83% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Granbury has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 6.41% below tier average
- + Delinquency Rate 0.13% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.24% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$946.3M
+1.7% YoY
+0.2% QoQ
|
+$559.8M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Top 2.0% in tier |
| Total Loans ? |
$524.8M
+6.3% YoY
+5.1% QoQ
|
+$266.5M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Top 9.6% in tier |
| Total Deposits ? |
$835.3M
+0.3% YoY
-0.2% QoQ
|
+$508.5M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Top 1.0% in tier |
| Return on Assets ? |
1.32%
+8.1% YoY
+12.4% QoQ
|
+0.00% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
54% |
| Net Interest Margin ? |
3.75%
+4.9% YoY
+4.5% QoQ
|
-0.24% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
39% |
| Efficiency Ratio ? |
58.07%
-1.6% YoY
-1.7% QoQ
|
-6.41% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
63% |
| Delinquency Rate ? |
0.79%
-19.5% YoY
-8.0% QoQ
|
-0.13% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
62.83%
+5.9% YoY
+5.3% QoQ
|
-15.12% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
28.44%
-2.8% YoY
+0.9% QoQ
|
+6.41% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.46%
-13.1% YoY
-3.4% QoQ
|
-0.21% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
12.13%
+5.7% YoY
+3.6% QoQ
|
-3.78% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.18%
-2.4% YoY
+123.7% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
45% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.4%
-0.8pp YoY +0.3pp QoQ |
+6.3pp | 22.1% | 29.2% | 22.2% | 77% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.3%
-1.9pp YoY -0.6pp QoQ |
-5.3pp | 11.6% | 14.8% | 12.5% | 28% |
| CRE |
43.2%
+3.5pp YoY +0.2pp QoQ |
+3.7pp | 39.5% | 48.4% | 41.4% | 59% |
| 1-4 Family |
42.1%
+1.2pp YoY +0.9pp QoQ |
+9.5pp | 32.6% | 25.8% | 31.3% | 73% |
| Consumer |
2.7%
-0.6pp YoY -0.3pp QoQ |
-1.4pp | 4.1% | 4.7% | 5.0% | 57% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
12.1%
+0.7pp YoY +0.4pp QoQ |
0.0pp | 12.2% | 12.6% | 12.6% | 66% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
162
+6 (+3.8%) YoY +6 (+3.8%) QoQ |
+103 | 58 | 186 | 482 | 98% |
| Assets per Employee ($) |
$5.8M
-2.0% YoY -3.5% QoQ |
-$1.7M | $7.5M | $10.1M | $8.8M | 30% |
| Branch Count |
8
0 YoY 0 QoQ |
+3 | 4 | 12 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.8%
-0.2pp YoY -0.1pp QoQ |
-0.1pp | 0.9% | 1.0% | 1.0% | 65% |
| Allowance Coverage |
1.56x
+18.5% YoY +4.1% QoQ |
-22.59x | 24.15x | 18.82x | 20.23x | 40% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 47% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.5%
-0.5pp YoY +1.1pp QoQ |
+0.3pp | 12.2% | 13.2% | 11.6% | 53% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.6% | 1.7% | 20% |
| Net Income ($, YTD) |
$6.4M
+11.5% YoY — QoQ |
+$3.8M | $2.6M | $15.9M | $40.4M | 93% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.