The Granger National Bank: how it compares with its peers
Against 40 TX banks with half to twice its assets, The Granger National Bank's strongest measure in Q2 2026 is assets per employee ($13.4M vs. a $4.9M peer median). Its weakest relative measure is return on assets (-0.63% vs. 0.99%).
| Measure | The Granger National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.63% | 0.99% | Bottom third Ahead of 5% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.94% | 3.98% | Middle third Ahead of 45% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 115.44% | 73.37% | Bottom third Ahead of 5% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.4M | $4.9M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 62.24% | 43.58% | Context |
What it means for lending operations
Its efficiency ratio of 115.44% is above the 73.37% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First National Bank of Moody Moody, TX · $54M
- Lovelady State Bank Lovelady, TX · $53M
- State National Bank Groom, TX · $55M
- Amistad Bank Del Rio, TX · $57M
- The Donley County State Bank Clarendon, TX · $50M
- The First National Bank in Cooper Cooper, TX · $57M
Questions about The Granger National Bank
How big is The Granger National Bank?
The Granger National Bank, established in 1920, is headquartered in Granger, TX. It reported $53M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Granger National Bank's return on assets?
-0.63% annualized in Q2 2026, against a 0.99% median for 40 TX banks with half to twice its assets, ahead of 5% of them.
What is The Granger National Bank's efficiency ratio?
115.44% in Q2 2026: it spent about 115 cents in noninterest expense for each dollar of revenue. The peer median is 73.37%, and lower is better.
Is The Granger National Bank growing its loans?
Net loans grew 37.6% over the year to Q2 2026, while deposits grew 13.3%.
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.