The First National Bank of Granbury: how it compares with its peers
Against 110 TX banks with half to twice its assets, The First National Bank of Granbury's strongest measure in Q2 2026 is efficiency ratio (58.07% vs. a 60.63% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $8.2M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.32% | 1.42% | Middle third Ahead of 43% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.75% | 4.15% | Middle third Ahead of 34% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.07% | 60.63% | Middle third Ahead of 58% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $8.2M | Bottom third Ahead of 16% of peers |
| Loans to deposits Net loans and leases over total deposits. | 62.83% | 77.91% | Context |
What it means for lending operations
Its efficiency ratio of 58.07% is better than the 60.63% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Western Bank Lubbock, TX · $947M
- Texas Bank Henderson, TX · $954M
- Texas Heritage National Bank Daingerfield, TX · $936M
- NewFirst National Bank El Campo, TX · $935M
- First National Bank and Trust Company of Weatherford Weatherford, TX · $968M
- Transpecos Banks, SSB Pecos, TX · $972M
Questions about The First National Bank of Granbury
How big is The First National Bank of Granbury?
The First National Bank of Granbury, established in 1887, is headquartered in Granbury, TX. It reported $946M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is The First National Bank of Granbury's return on assets?
1.32% annualized in Q2 2026, against a 1.42% median for 110 TX banks with half to twice its assets, ahead of 43% of them.
What is The First National Bank of Granbury's efficiency ratio?
58.07% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 60.63%, and lower is better.
Is The First National Bank of Granbury growing its loans?
Net loans grew 6.3% over the year to Q2 2026, while deposits grew 0.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.