The First National Bank of Granbury
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Granbury is an FDIC-insured commercial bank headquartered in Granbury, TX, established in 1887 (FDIC certificate 3228), and it is supervised by the OCC. At Q2 2026 it reported total assets of $946.3M, up 1.7% from Q2 2025, the 99th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.13% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3228
- Headquarters
- Granbury, TX
- Established
- 1887
- Total assets, Q2 2026
- $946.3M
- Assets vs Q2 2025
- +1.7%
- Tier 1 leverage ratio, Q2 2026
- 12.13%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 111906161
- Latest call report
- Q2 2026, FFIEC 041 · The First National Bank of Granbury call report
- Holding company
- FIRST GRANBURY BANCORPORATION
- Asset rank in state
- 99th of 346 in Texas
Little in The First National Bank of Granbury's latest call report stands out. Its balance sheet stood at $946 million at June 30, 2026, up 1.7% from a year earlier; it is based in Granbury, Texas. On most measures it sits near the middle of the 2,627 banks with $100 million to $1 billion in assets.
Net income for the quarter rose 15% from a year earlier, to $3.5 million. Over the same year, loans grew 6.2% and deposits grew 0.3%.
As of June 30, 2026, The First National Bank of Granbury reported a return on assets of 1.48%, a nonperforming-loan ratio of 0.78% and a Texas ratio of 3.88%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, The First National Bank of Granbury is the 99th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.2% to $946.3M, loans rose 5.0% and deposits fell 0.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 41.6% of total loans, followed by construction and land development loans at 17.2%. Its 8 offices in the FDIC Summary of Deposits are in Granbury, TX, Tolar, TX and Cleburne, TX; its Granbury 6 offices book 89% of its branch deposits. Judged on its Q2 2026 call report, The First National Bank of Granbury meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 E Bridge St, Granbury, TX 76048
- County
- Hood
- Metro Area
- Granbury, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1887
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 162
- Domestic deposits
- $835.3M
- Allowance for credit losses
- $6.5M
- Net charge-offs (YTD)
- $31K
- Average total assets
- $951.2M
- Average total loans
- $511.6M
- Average interest-bearing deposits
- $599.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3228
- Fed RSSD
- 329952
- Website
- www.fnbgranbury.com →
- Parent Holding Company
- FIRST GRANBURY BANCORPORATION (RSSD 1105528)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The First National Bank of Granbury reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The First National Bank of Granbury's total assets ran between $876.3M (Q3 2023) and $992.5M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$946.3M total assets against $930.4M; $841.0M total liabilities against $837.2M.
$524.8M net loans and leases against $493.7M; $835.3M total deposits against $832.4M.
$323.8M securities against $299.6M; $69.6M cash and balances due against $111.8M.
$11.8M total interest income against $11.3M; $2.8M total interest expense against $3.0M.
$9.0M net interest income against $8.3M.
$962K total noninterest income against $986K; $5.7M total noninterest expense against $5.3M.
$1K provision for credit losses against $294K.
$3.5M net income against $3.0M.
1.48% return on assets against 1.30%; 3.89% net interest margin against 3.67%.
12.13% tier 1 leverage ratio against 11.48%.
Inside the full The First National Bank of Granbury terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Granbury rankings
Its closest position to the top of a national ranking is 1,088 of 4,196, for total assets; its furthest is 1,602 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.83% (Q4 2024) to 1.48% (Q2 2026) and its net interest margin ran from 3.32% (Q3 2024) to 3.89% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.13% | 1.48% | 0.78% | 3.88% | 3.89% |
| Q1 2026 | 11.71% | 1.19% | 0.85% | 4.17% | 3.61% |
| Q4 2025 | 11.47% | 1.13% | 0.87% | 4.21% | 3.74% |
| Q3 2025 | 11.75% | 1.39% | 0.85% | 4.13% | 3.64% |
| Q2 2025 | 11.48% | 1.30% | 0.97% | 4.94% | 3.67% |
| Q1 2025 | 11.13% | 1.14% | 0.98% | 5.07% | 3.39% |
| Q4 2024 | 10.99% | 0.83% | 1.02% | 5.56% | 3.34% |
| Q3 2024 | 11.37% | 1.06% | 1.49% | 7.59% | 3.32% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Granbury | Granbury , TX | 76048 | $296.0M |
| 377 Branch | Granbury , TX | 76048 | $132.1M |
| Pecan Plantation Branch | Granbury , TX | 76049 | $122.0M |
| Acton Branch | Granbury , TX | 76049 | $100.4M |
| 144 Branch | Granbury , TX | 76048 | $95.9M |
| Tolar Banking Center Branch | Tolar , TX | 76476 | $46.5M |
| Nolan River Banking Center Branch | Cleburne , TX | 76033 | $41.4M |
| Mobile Branch | Granbury , TX | 76048 | $939K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 131 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First National Bank of Granbury
What are The First National Bank of Granbury's total assets?
As of the Q2 2026 filing, The First National Bank of Granbury reported total assets of $946.3 million in its FFIEC call report.
Where is The First National Bank of Granbury headquartered?
It is headquartered in Granbury, TX, United States.
When was The First National Bank of Granbury founded?
It was established in 1887, per the FDIC institution directory.
Is The First National Bank of Granbury FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3228). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Granbury?
The First National Bank of Granbury's primary federal regulator is the OCC.
How many branches does The First National Bank of Granbury operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Granbury's Texas Ratio?
Its Texas Ratio is 3.88% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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