BlastPoint's Banking Scorecard

The First National Bank of Granbury

$100M-$1B Specialty: Commercial TX FDIC cert 3228

Granbury, TX

8 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

The First National Bank of Granbury has 1 strength but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 6.24% below tier average

Key Concerns

Areas that may need attention

- ROA 0.09% below tier average
- Net Interest Margin 0.34% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$944.5M +1.2% YoY -4.8% QoQ	+$558.5M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 1.9% in tier
Total Loans ?	$499.4M +4.2% YoY +0.6% QoQ	+$243.7M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 11.0% in tier
Total Deposits ?	$837.2M -0.4% YoY -5.8% QoQ	+$509.2M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 1.0% in tier
Return on Assets ?	1.18% +3.2% YoY -4.7% QoQ	-0.09%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	48%
Net Interest Margin ?	3.59% +4.7% YoY -1.0% QoQ	-0.34%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	35%
Efficiency Ratio ?	59.05% -4.1% YoY -1.7% QoQ	-6.24%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	63%
Delinquency Rate ?	0.86% -13.6% YoY -2.3% QoQ	-0.03%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	32%
Loan-to-Deposit Ratio ?	59.66% +4.6% YoY +6.8% QoQ	-16.98%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	82%
Non-Interest-Bearing Deposit Share ?	28.17% -5.6% YoY +2.7% QoQ	+6.15%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	77%
Nonperforming Asset Ratio ?	0.47% -6.9% YoY +6.3% QoQ	-0.16%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	39%
Tier 1 Capital Ratio ?	11.71% +5.2% YoY +2.1% QoQ	-4.12%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.08% +0.3% YoY -77.9% QoQ	-0.20%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	41%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Total Deposits

size

Value: $837.21M

Peer Median: $327.97M

#28 of 2664 Top 1.0% in $100M-$1B

Total Assets

size

Value: $944.53M

Peer Median: $386.08M

#51 of 2664 Top 1.9% in $100M-$1B

295

Total Loans

size

Value: $499.44M

Peer Median: $255.72M

#295 of 2664 Top 11.0% in $100M-$1B

478

Loan-to-Deposit Ratio

liquidity

Value: 59.66%

Peer Median: 76.64%

#478 of 2664 Top 17.9% in $100M-$1B

618

Non-Interest-Bearing Deposit Share

funding

Value: 28.17%

Peer Median: 22.02%

#618 of 2664 Top 23.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available