The Granger National Bank
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Data as of · sourced from FFIEC call reports. How we update
The Granger National Bank is an FDIC-insured commercial bank headquartered in Granger, TX, established in 1920 (FDIC certificate 3232), and it is supervised by the OCC. At Q2 2026 it reported total assets of $53.5M, up 11.7% from Q2 2025, the 338th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.58% 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
- 3232
- Headquarters
- Granger, TX
- Established
- 1920
- Total assets, Q2 2026
- $53.5M
- Assets vs Q2 2025
- +11.7%
- Tier 1 leverage ratio, Q2 2026
- 13.58%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 114919281
- Latest call report
- Q2 2026, FFIEC 051 · The Granger National Bank call report
- Holding company
- GRANGER BANCSHARES, INC.
- Asset rank in state
- 338th of 346 in Texas
The Granger National Bank spends more to run itself than most banks of its size. Its balance sheet stood at $53 million at June 30, 2026, up 11.7% from a year earlier; it is based in Granger, Texas. It loses about $0.60 a year on every $100 of assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median $1.06). It also spends about 109 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 69 cents).
It lost $81,000 in the quarter. Over the same year, loans grew 37.2% and deposits grew 13.3%. Concentration is the risk to watch: it holds commercial real estate loans worth 1.3 times its capital, 5.0 times the median of 26% for banks its size.
As of June 30, 2026, The Granger National Bank reported a return on assets of -0.60%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 0.53%. The figures come from its call report filed with the FFIEC.
The Granger National Bank ranks as the 338th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 6.2% to $53.5M, loans rose 20.7% and deposits rose 7.1%. Commercial and industrial loans made up 28.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 27.8%. Its one office in the FDIC Summary of Deposits is in Granger, TX. Judged on its Q2 2026 call report, The Granger National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 W Davilla St, Granger, TX 76530
- County
- Williamson
- Metro Area
- Austin-Round Rock-San Marcos, 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 051
- Established
- March 8, 1920
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 4
- Domestic deposits
- $47.2M
- Allowance for credit losses
- $373K
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $54.0M
- Average total loans
- $27.0M
- Average interest-bearing deposits
- $34.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3232
- Fed RSSD
- 272151
- Website
- www.grangernationalbank.com →
- Parent Holding Company
- GRANGER BANCSHARES, INC. (RSSD 1137257)
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 Granger National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Granger National Bank's total assets moved between a low of $39.7M (Q3 2023) and a high of $53.5M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 3 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$53.5M total assets against $47.9M; $47.8M total liabilities against $42.1M.
$29.4M net loans and leases against $21.4M; $47.2M total deposits against $41.7M.
$16.2M securities against $18.4M; $2.4M cash and balances due against $4.3M.
$652K total interest income against $583K; $203K total interest expense against $174K.
$449K net interest income against $409K.
$53K total noninterest income against $46K; $556K total noninterest expense against $635K.
$42K provision for credit losses against $0.
-$81K net income against -$131K.
-0.60% return on assets against -1.03%; 3.73% net interest margin against 3.42%.
13.58% tier 1 leverage ratio against 15.36%.
Inside the full The Granger National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -2.91% (Q4 2024) to -0.60% (Q2 2026) and its net interest margin ran from 3.07% (Q3 2024) to 3.78% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.58% | -0.60% | 0.11% | 0.53% | 3.73% |
| Q1 2026 | 13.83% | -0.63% | 0.24% | 0.98% | 3.78% |
| Q4 2025 | 14.44% | -1.20% | 0.15% | 0.60% | 3.43% |
| Q3 2025 | 15.39% | -1.13% | 0.17% | 0.63% | 3.59% |
| Q2 2025 | 15.36% | -1.03% | 0.05% | 0.17% | 3.42% |
| Q1 2025 | 15.72% | -0.97% | 0.05% | 0.18% | 3.25% |
| Q4 2024 | 16.16% | -2.91% | 0.02% | 0.07% | 3.28% |
| Q3 2024 | 17.42% | -2.38% | 0.05% | 0.10% | 3.07% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Granger National Bank | Granger , TX | 76530 | $47.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- October 10, 1991, OCC: Civil Money Penalty (CMP): The Granger National Bank
- Period: Most recent institution action October 10, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 417 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $127K approved, $127K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 Granger National Bank
What are The Granger National Bank's total assets?
As of the Q2 2026 filing, The Granger National Bank reported total assets of $53.5 million in its FFIEC call report.
Where is The Granger National Bank headquartered?
It is headquartered in Granger, TX, United States.
When was The Granger National Bank founded?
It was established in 1920, per the FDIC institution directory.
Is The Granger National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3232). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Granger National Bank?
The Granger National Bank's primary federal regulator is the OCC.
How many branches does The Granger National Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Granger National Bank's Texas Ratio?
Its Texas Ratio is 0.53% 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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