BlastPoint's Banking Scorecard
The Granger National Bank
Designations: ✓ Community bank
Granger, 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 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits +13.3% year over year ($47.2M on the books).
- Delinquency rate 0.11%.
- Return on assets -0.63%.
- Efficiency ratio 115.44% vs a 119.40% peer average.
- Loan-to-deposit ratio 62.24% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Granger National Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.96% below tier average
- + Delinquency Rate 1.37% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.63% below tier average
- - Efficiency Ratio 3.96% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$53.5M
+11.7% YoY
+6.2% QoQ
|
-$9.0M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
36% |
| Total Loans ? |
$29.4M
+37.6% YoY
+20.8% QoQ
|
-$5.5M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
42% |
| Total Deposits ? |
$47.2M
+13.3% YoY
+7.1% QoQ
|
-$4.4M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
40% |
| Return on Assets ? |
-0.63%
+40.7% YoY
+3.1% QoQ
|
-1.63% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Bottom 8.2% in tier |
| Net Interest Margin ? |
3.94%
+7.0% YoY
-2.1% QoQ
|
+0.03% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
53% |
| Efficiency Ratio ? |
115.44%
-16.9% YoY
-3.9% QoQ
|
-3.96% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 8.6% in tier |
| Delinquency Rate ? |
0.11%
+132.6% YoY
-54.3% QoQ
|
-1.37% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
62.24%
+21.4% YoY
+12.8% QoQ
|
-11.97% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
24.67%
-18.6% YoY
-4.2% QoQ
|
+1.18% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.06%
+186.4% YoY
-48.1% QoQ
|
-0.78% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
13.58%
-11.6% YoY
-1.8% QoQ
|
-13.54% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.19%
+17.1% YoY
+95.9% QoQ
|
-1.19% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
68% |
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 |
24.7%
-5.6pp YoY -1.1pp QoQ |
0.0pp | 24.6% | 29.2% | 22.2% | 53% |
| Brokered Deposits |
7.4%
+5.7pp QoQ |
-2.4pp | 9.8% | 8.0% | 8.5% | 56% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
28.7%
-5.8pp YoY +3.1pp QoQ |
+15.3pp | 13.4% | 14.8% | 12.5% | 90% |
| CRE | n/a | n/a | 25.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
14.4%
-0.7pp YoY -3.7pp QoQ |
-20.5pp | 35.0% | 25.8% | 31.3% | 28% |
| Consumer |
1.2%
-1.2pp YoY 0.0pp QoQ |
-6.5pp | 7.7% | 4.7% | 5.0% | 14% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
13.6%
-1.8pp YoY -0.2pp QoQ |
-4.1pp | 17.7% | 12.6% | 12.6% | 58% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4
-4 (-50.0%) YoY -1 (-20.0%) QoQ |
-8 | 12 | 186 | 482 | 2% |
| Assets per Employee ($) |
$13.4M
+123.4% YoY +32.8% QoQ |
+$7.2M | $6.2M | $10.1M | $8.8M | 98% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.1%
+0.1pp YoY -0.1pp QoQ |
-1.6pp | 1.7% | 1.0% | 1.0% | 13% |
| Allowance Coverage |
11.66x
-64.5% YoY +106.1% QoQ |
+5.25x | 6.41x | 18.82x | 20.23x | 89% |
| Net Charge-off Rate (YTD) |
-0.0%
+0.8pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 23% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-5.8%
+3.1pp YoY +0.1pp QoQ |
-12.2pp | 6.4% | 13.2% | 11.6% | 7% |
| Cost of Funds (YTD) |
1.7%
+0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.4% | 1.6% | 1.7% | 69% |
| Net Income ($, YTD) |
$-165000.0
+34.8% YoY — QoQ |
-$483K | $317,817 | $15.9M | $40.4M | 8% |
Get Full Access to The Granger National Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.