BlastPoint's Banking Scorecard
The Granger National Bank
Micro
Specialty: Commercial
TX
FDIC cert 3232
Designations: ✓ Community bank
Granger, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The Granger National Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 2.21% below tier
- - Efficiency Ratio 71.96% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$52.3M
+11.5% YoY
+6.5% QoQ
|
-$165.2M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$23.8M
+26.6% YoY
+2.5% QoQ
|
-$115.4M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$45.8M
+11.3% YoY
+7.2% QoQ
|
-$137.8M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
-1.13%
+29.4% YoY
-2.7% QoQ
|
-2.21% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
3.64%
+20.4% YoY
-1.1% QoQ
|
-0.21% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
139.69%
-10.3% YoY
+0.4% QoQ
|
+71.96% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.16%
+630.4% YoY
-7.5% QoQ
|
-0.48% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
51.88%
+13.8% YoY
-4.4% QoQ
|
-22.65% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.69%
-2.0% YoY
+11.7% QoQ
|
+5.29% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.07%
+729.3% YoY
-10.9% QoQ
|
-0.38% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.35%
+7.9% YoY
+33.2% QoQ
|
-0.21% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-1.13%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
139.69%
(Tier avg: 67.73%, National avg: 65.09%)
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
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.69% · Tier avg: 22.39%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
66
66th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
41
41th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.85%
15
15th pctile
Loan-to-Deposit Ratio
Current: 51.88% · Tier avg: 74.53%
9
9th pctile
Total Deposits
Current: $45.8M · Tier avg: $183.7M
8
8th pctile
Total Loans
Current: $23.8M · Tier avg: $139.2M
7
7th pctile
Total Assets
Current: $52.3M · Tier avg: $217.5M
3
3th pctile
Return on Assets
Current: -1.13% · Tier avg: 1.08%
0
0th pctile
Efficiency Ratio
Current: 139.69% · Tier avg: 67.73%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 139.69% · Tier avg: 67.73%
3
3th pctile
Return on Assets
Current: -1.13% · Tier avg: 1.08%
7
7th pctile
Total Assets
Current: $52.3M · Tier avg: $217.5M
8
8th pctile
Total Loans
Current: $23.8M · Tier avg: $139.2M
9
9th pctile
Total Deposits
Current: $45.8M · Tier avg: $183.7M
15
15th pctile
Loan-to-Deposit Ratio
Current: 51.88% · Tier avg: 74.53%
41
41th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.85%
49
49th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
66
66th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.69% · Tier avg: 22.39%