The First National Bank of Granbury: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3.37 percentage points higher than in Q1 2026, at 103.36%. Within Texas, The First National Bank of Granbury is 175th of 345 on return on assets, 1.48% as of Q2 2026, below the middle of the field. The First National Bank of Granbury reported 1.48% on return on assets for Q2 2026, 0.22 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.13% |
| Equity capital to assets | 11.14% |
| Tangible equity to tangible assets | 11.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.18% |
| Non-performing assets ratio | 0.68% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 5.78% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 103.36% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.48% |
| Return on equity | 13.61% |
| Net interest margin | 3.89% |
| Efficiency ratio | 56.21% |
| Yield on earning assets | 5.10% |
| Cost of funds | 1.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.60% |
| Core deposits to total deposits | 92.28% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.26% |
| Securities to assets | 34.21% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.82% | 1.00% | 3.12% | 1.19% | 0.00% |
| Q4 2023 | 10.65% | 0.77% | 3.04% | 1.16% | -0.03% |
| Q1 2024 | 10.77% | 0.76% | 2.97% | 1.48% | 0.14% |
| Q2 2024 | 11.12% | 1.09% | 3.20% | 1.40% | 0.07% |
| Q3 2024 | 11.37% | 1.06% | 3.32% | 1.98% | 0.01% |
| Q4 2024 | 10.99% | 0.83% | 3.34% | 1.49% | -0.01% |
| Q1 2025 | 11.13% | 1.14% | 3.39% | 1.45% | 0.03% |
| Q2 2025 | 11.48% | 1.30% | 3.67% | 1.39% | 0.03% |
| Q3 2025 | 11.75% | 1.39% | 3.64% | 1.29% | 0.01% |
| Q4 2025 | 11.47% | 1.13% | 3.74% | 1.30% | 0.01% |
| Q1 2026 | 11.71% | 1.19% | 3.61% | 1.27% | -0.01% |
| Q2 2026 | 12.13% | 1.48% | 3.89% | 1.18% | 0.04% |
The First National Bank of Granbury vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Granbury, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First National Bank of Granbury profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3228) · FFIEC NIC profile (RSSD 329952)