BlastPoint's Banking Scorecard

The Granger National Bank

under $100M Specialty: Commercial TX FDIC cert 3232

Designations: ✓ Community bank

Granger, TX

537 banks in the under $100M peer group nationally 37 in TX

The Granger National Bank has 2 strengths 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

+ Net Interest Margin 0.15% above tier average
+ Delinquency Rate 1.12% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 1.51% below tier average
- Efficiency Ratio 32.49% above 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 ?	$50.3M +6.9% YoY -3.8% QoQ	-$12.0M	$62.3M -0.5% YoY	$2.2B +1.1% YoY	$6.2B +9.0% YoY	31%
Total Loans ?	$24.3M +21.7% YoY +2.4% QoQ	-$10.0M	$34.3M -1.5% YoY	$1.0B +10.3% YoY	$3.2B +10.7% YoY	35%
Total Deposits ?	$44.1M +6.9% YoY -3.8% QoQ	-$7.7M	$51.8M -0.6% YoY	$1.9B +3.3% YoY	$4.8B +8.0% YoY	35%
Return on Assets ?	-0.65% +36.9% YoY +42.1% QoQ	-1.51%	0.86% -3.6% YoY	1.40% +10.4% YoY	1.24% +13.1% YoY	Bottom 9.5% in tier
Net Interest Margin ?	4.02% +11.6% YoY +10.5% QoQ	+0.15%	3.87% +2.7% YoY	4.02% +2.6% YoY	3.89% +5.7% YoY	60%
Efficiency Ratio ?	120.12% -13.1% YoY -14.0% QoQ	+32.49%	87.63% +2.3% YoY	63.21% -2.3% YoY	66.84% -3.8% YoY	Bottom 7.6% in tier
Delinquency Rate ?	0.24% +333.4% YoY +53.1% QoQ	-1.12%	1.36% +33.7% YoY	0.96% +37.0% YoY	0.95% +18.8% YoY	56%
Loan-to-Deposit Ratio ?	55.20% +13.8% YoY +6.4% QoQ	-8.91%	64.11% -0.9% YoY	67.20% -0.8% YoY	76.69% +0.9% YoY	64%
Non-Interest-Bearing Deposit Share ?	25.75% -15.0% YoY -7.0% QoQ	+1.96%	23.79% +0.5% YoY	29.01% -1.0% YoY	22.01% -1.1% YoY	58%
Nonperforming Asset Ratio ?	0.12% +393.4% YoY +62.9% QoQ	-0.66%	0.77% +28.7% YoY	0.62% +32.0% YoY	0.66% +19.3% YoY	59%
Tier 1 Capital Ratio ?	13.83% -12.0% YoY -4.2% QoQ	-12.94%	26.77% +2.0% YoY	18.06% +0.0% YoY	17.06% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.10% +43.3% YoY -72.2% QoQ	-0.57%	0.67% +1.6% YoY	0.20% +4.1% YoY	0.32% +4.0% YoY	69%

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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 537 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

497

Efficiency Ratio

profitability

Value: 120.12%

Peer Median: 87.63%

#497 of 537 Bottom 7.6% in under $100M

487

Return on Assets

profitability

Value: -0.65%

Peer Median: 0.86%

#487 of 537 Bottom 9.5% in under $100M