The Granger National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Granger National Bank of Granger, TX against its peer group of 536 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 | -0.60% | 3.33% | -3.93% | 9th bottom |
| ROAE | -5.76% | 8.31% | -14.07% | 8th bottom |
| Net Interest Margin | 3.73% | 3.92% | -0.19% | 42nd below |
| Efficiency Ratio | 108.91% | 84.43% | +24.48% | 10th bottom |
| PPNR / Avg Assets | -0.40% | 1.56% | -1.96% | 9th bottom |
| Yield on Earning Assets | 5.42% | 5.24% | +0.18% | 59th above |
| Cost of Funds | 1.78% | 1.67% | +0.11% | 38th below |
| Net Interest Spread | 3.04% | 3.30% | -0.26% | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.11% | 1.42% | -1.31% | 58th above |
| NPA / Total Assets | 0.06% | 0.71% | -0.65% | 55th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.53% | -0.28% | 52nd above |
| ACL / NPLs (Coverage) | 1165.62% | 720.24% | +445.38% | — |
| Texas Ratio | 0.53% | 8.57% | -8.04% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.58% | 22.10% | -8.52% | 55th above |
| Equity / Assets | 10.55% | 20.74% | -10.19% | 32nd below |
| TCE / Tangible Assets | 10.55% | 20.49% | -9.94% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.03% | 74.28% | -11.25% | 56th above |
| Core Deposit Ratio | 77.87% | 88.32% | -10.45% | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.72% | 3.81% | +7.91% | 88th top |
| Loan Growth (Y/Y) | 37.22% | 6.79% | +30.43% | 96th top |
| Deposit Growth (Y/Y) | 13.29% | 2.96% | +10.33% | 90th top |
See The Granger National Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Granger National Bank, 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 Granger National Bank profile, how to read a UBPR, or how this data updates.