The First National Bank of Granbury: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank of Granbury of Granbury, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.48% | 1.34% | +0.14% | 62nd above |
| ROAE | 13.61% | 13.31% | +0.30% | 58th above |
| Net Interest Margin | 3.89% | 3.93% | -0.04% | 48th below |
| Efficiency Ratio | 56.21% | 61.14% | -4.93% | 66th above |
| PPNR / Avg Assets | 1.79% | 1.68% | +0.11% | 62nd above |
| Yield on Earning Assets | 5.10% | 5.67% | -0.57% | 27th below |
| Cost of Funds | 1.35% | 1.88% | -0.53% | 78th top |
| Net Interest Spread | 3.22% | 3.32% | -0.10% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.18% | 0.94% | +0.24% | 25th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.68% | 0.70% | -0.02% | 30th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 29th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.28% | -0.06% | 52nd above |
| ACL / NPLs (Coverage) | 103.36% | 1540.11% | -1436.75% | 29th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.78% | 7.33% | -1.55% | 37th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 477.42% | 1396.77% | -919.35% | 72nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.13% | 12.14% | -0.01% | 66th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.14% | 11.37% | -0.23% | 61st above |
| TCE / Tangible Assets | 11.14% | 11.09% | +0.05% | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.60% | 80.65% | -17.05% | 79th top |
| Core Deposit Ratio | 92.28% | 86.86% | +5.42% | 69th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.72% | 6.86% | -5.14% | 31st below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.24% | 7.90% | -1.66% | 56th above |
| Deposit Growth (Y/Y) | 0.35% | 6.29% | -5.94% | 25th below |
See The First National Bank of Granbury's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Granbury, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The First National Bank of Granbury profile, how to read a UBPR, or how this data updates.