FIRST NATIONAL BANK OF GRANBURY, THE

GRANBURY, TX | Medium | Est. Jan. 1, 1887, midnight | FDIC #3228 | RSSD #329952 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF GRANBURY, THE is amn medium FDIC-insured commercial bank headquartered in GRANBURY, TX, established in Jan. 1, 1887, midnight. As of 2025-12-31, the bank reported total assets of $993M and total deposits of $889M. Profitability stands at 1.12% ROA and 10.84% ROE, with a net interest margin of 3.88%. The bank's CET1 capital ratio is 9.97%. Asset quality metrics show a non-performing loan ratio of 0.87% and a Texas Ratio of 4.21%. FDIC Certificate #3228.

Assets

$993M

Deposits

$889M

Loans

$503M

Equity

$99M

Profitability

Return on Assets (ROA) 1.12%
Return on Equity (ROE) 10.84%
Net Interest Margin (NIM) 3.88%
Yield on Assets 5.16%
Cost of Funds 1.31%

Asset Quality

NPL Ratio 0.87%
Net Charge-Off Ratio 0.02%
Texas Ratio 4.21%
NPA Ratio 0.45%
ACL / Loans 1.26%

Capital & Liquidity

CET1 Ratio 9.97%
Tier 1 Capital 9.97%
Total Capital Ratio 10.46%
Leverage Ratio 11.47%
Loan-to-Deposit 56.57%

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