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Grandview Bank

$100M-$1B Specialty: Commercial TX FDIC cert 3230

Grandview, TX

7 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 +5.7% year over year ($639.6M on the books).
  • Delinquency rate 0.12%.
  • Return on assets 2.44%.
  • Efficiency ratio 38.32% vs a 64.48% peer average.
  • Loan-to-deposit ratio 84.07% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Grandview Bank has 4 strengths but faces 3 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

  • + Deposit Franchise: Top 8.3% in tier
  • + Profitability Leader: Top 14.5% in tier
  • + Efficiency Ratio 26.16% below tier average
  • + Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 15.1% in tier
  • - Liquidity Overhang: Bottom 36.4% in tier
  • - Credit Risk Growth: Bottom 38.6% in tier
Get updates when Grandview Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $729.3M
+7.7% YoY +3.7% QoQ
+$342.8M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Top 11.3% in tier
Total Loans ? $537.7M
+9.0% YoY -0.4% QoQ
+$279.4M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Top 8.8% in tier
Total Deposits ? $639.6M
+5.7% YoY +3.7% QoQ
+$312.9M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Top 10.1% in tier
Return on Assets ? 2.44%
+18.7% YoY -2.1% QoQ
+1.12% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 5.3% in tier
Net Interest Margin ? 5.20%
+9.6% YoY -0.3% QoQ
+1.22% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 5.4% in tier
Efficiency Ratio ? 38.32%
-9.2% YoY +0.3% QoQ
-26.16% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Top 2.8% in tier
Delinquency Rate ? 0.12%
+200.4% YoY -4.3% QoQ
-0.79% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
72%
Loan-to-Deposit Ratio ? 84.07%
+3.2% YoY -4.0% QoQ
+6.11% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
40%
Non-Interest-Bearing Deposit Share ? 41.69%
+3.7% YoY -0.5% QoQ
+19.65% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 3.7% in tier
Nonperforming Asset Ratio ? 0.11%
+268.2% YoY -14.8% QoQ
-0.56% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
70%
Tier 1 Capital Ratio ? 19.00%
+10.8% YoY +4.1% QoQ
+3.10% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
84%
Non-Interest Income / Assets ? 0.13%
+9.7% YoY +59.7% QoQ
-0.44% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
28%

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 41.7%
+1.5pp YoY
-0.2pp QoQ
 +19.5pp 22.1% 29.2% 22.2% 96%
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 32.1%
+0.2pp YoY
-1.5pp QoQ
 +20.6pp 11.6% 14.8% 12.5% 97%
CRE 45.6%
-1.3pp YoY
-0.2pp QoQ
 +6.1pp 39.5% 48.4% 41.4% 63%
1-4 Family 16.1%
+0.4pp YoY
+1.6pp QoQ
 -16.5pp 32.6% 25.8% 31.3% 22%
Consumer 3.3%
-0.6pp YoY
+0.1pp QoQ
 -0.8pp 4.1% 4.7% 5.0% 64%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 19.0%
+1.9pp YoY
+0.7pp QoQ
 +0.2pp 18.8% 22.7% 19.7% 74%
Leverage Ratio 12.4%
+2.0pp YoY
+0.5pp QoQ
 +0.2pp 12.2% 12.6% 12.6% 68%
Total Capital Ratio 20.3%
+1.9pp YoY
+0.7pp QoQ
 +0.3pp 19.9% 23.8% 20.8% 75%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 75
+8 (+11.9%) YoY
+3 (+4.2%) QoQ
 +16 58 186 482 74%
Assets per Employee ($) $9.7M
-3.8% YoY
-0.5% QoQ
 +$2.2M $7.5M $10.1M $8.8M 84%
Branch Count 7
0 YoY
0 QoQ
 +2 4 12 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 15%
Nonaccrual 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.8pp 0.9% 1.0% 1.0% 20%
Allowance Coverage 10.54x
-65.3% YoY
+8.7% QoQ
 -13.61x 24.15x 18.82x 20.23x 82%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 56%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 21.3%
-0.2pp YoY
-0.7pp QoQ
 +9.1pp 12.2% 13.2% 11.6% 91%
Cost of Funds (YTD) 1.4%
-0.4pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.6% 1.7% 32%
Net Income ($, YTD) $8.6M
+25.1% YoY
— QoQ
 +$6.1M $2.6M $15.9M $40.4M 98%

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 (2)

Deposit Franchise

growth
#24 of 278 • Top 8.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 41.69%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.20%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Profitability Leader

growth
#97 of 661 • Top 14.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.44%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (3)

Credit Quality Pressure

risk
#191 of 1256 • Bottom 15.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.12%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#271 of 742 • Bottom 36.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 19.00%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 84.07%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#362 of 936 • Bottom 38.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (8 metrics)

74
Efficiency Ratio
profitability
Value: 38.32%
Peer Median: 64.48%
#74 of 2643 Top 2.8% in $100M-$1B
98
Non-Interest-Bearing Deposit Share
funding
Value: 41.69%
Peer Median: 22.03%
#98 of 2643 Top 3.7% in $100M-$1B
140
Return on Assets
profitability
Value: 2.44%
Peer Median: 1.32%
#140 of 2643 Top 5.3% in $100M-$1B
144
Net Interest Margin
profitability
Value: 5.20%
Peer Median: 3.99%
#144 of 2643 Top 5.4% in $100M-$1B
233
Total Loans
size
Value: $537.73M
Peer Median: $258.35M
#233 of 2643 Top 8.8% in $100M-$1B
267
Total Deposits
size
Value: $639.64M
Peer Median: $326.73M
#267 of 2643 Top 10.1% in $100M-$1B
300
Total Assets
size
Value: $729.34M
Peer Median: $386.57M
#300 of 2643 Top 11.3% in $100M-$1B
424
Tier 1 Capital Ratio
capital
Value: 19.00%
Peer Median: 15.91%
#424 of 2643 Top 16.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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