GRANGER NATIONAL BANK, THE

GRANGER, TX | Micro | Est. March 8, 1920, midnight | FDIC #3232 | RSSD #272151 | OCC
Latest Report: 2025-12-31

GRANGER NATIONAL BANK, THE is amn micro FDIC-insured commercial bank headquartered in GRANGER, TX, established in March 8, 1920, midnight. As of 2025-12-31, the bank reported total assets of $52M and total deposits of $46M. Profitability stands at -1.23% ROA and -10.66% ROE, with a net interest margin of 3.44%. The bank's CET1 capital ratio is 11.12%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.15% and a Texas Ratio of 0.60%. FDIC Certificate #3232.

Assets

$52M

Deposits

$46M

Loans

$24M

Equity

$6M

Profitability

Return on Assets (ROA) -1.23%
Return on Equity (ROE) -10.66%
Net Interest Margin (NIM) 3.44%
Yield on Assets 5.04%
Cost of Funds 2.26%

Asset Quality

NPL Ratio 0.15%
Net Charge-Off Ratio -0.34%
Texas Ratio 0.60%
NPA Ratio 0.07%
ACL / Loans 1.35%

Capital & Liquidity

CET1 Ratio 11.12%
Tier 1 Capital 11.12%
Total Capital Ratio 11.68%
Leverage Ratio 14.44%
Loan-to-Deposit 52.59%

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