BlastPoint's Banking Scorecard
The First National Bank of Granbury
Community
Specialty: Other
TX
FDIC cert 3228
Granbury, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
The First National Bank of Granbury faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 27.21% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$992.5M
+6.6% YoY
+6.7% QoQ
|
-$398.9M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$496.4M
+3.9% YoY
-0.3% QoQ
|
-$479.1M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$888.8M
+5.3% YoY
+7.7% QoQ
|
-$275.8M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
1.24%
+31.5% YoY
-3.7% QoQ
|
+0.07% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
3.62%
+11.4% YoY
+0.1% QoQ
|
-0.04% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
60.06%
-7.5% YoY
+3.2% QoQ
|
-2.58% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
0.88%
-14.9% YoY
+1.3% QoQ
|
+0.25% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
55.85%
-1.3% YoY
-7.4% QoQ
|
-27.21% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.45%
-3.5% YoY
-7.1% QoQ
|
+6.40% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.45%
-15.5% YoY
-5.3% QoQ
|
-0.05% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.37%
+6.5% YoY
+21.7% QoQ
|
-0.37% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
55.85%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.45% · Tier avg: 21.05%
59
59th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.16%
56
56th pctile
Efficiency Ratio
Current: 60.06% · Tier avg: 62.63%
53
53th pctile
Total Deposits
Current: $888.8M · Tier avg: $1.2B
49
49th pctile
Total Assets
Current: $992.5M · Tier avg: $1.4B
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.50%
32
32th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.74%
31
31th pctile
Total Loans
Current: $496.4M · Tier avg: $975.5M
30
30th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
6
6th pctile
Loan-to-Deposit Ratio
Current: 55.85% · Tier avg: 83.06%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 55.85% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.63%
31
31th pctile
Total Loans
Current: $496.4M · Tier avg: $975.5M
32
32th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.74%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.50%
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
49
49th pctile
Total Assets
Current: $992.5M · Tier avg: $1.4B
53
53th pctile
Total Deposits
Current: $888.8M · Tier avg: $1.2B
56
56th pctile
Efficiency Ratio
Current: 60.06% · Tier avg: 62.63%
59
59th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.16%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.45% · Tier avg: 21.05%