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The Granger National Bank
Granger, TX · FDIC Certificate #3232 · Chartered 03/0
Total assets
$53.47M
Total deposits
$47.22M
Total equity
$5.64M
Net loans
$29.39M
Branches (offices)
1
Net income (YTD)
-$165.00K
Rank: #4,018 of 4,213 U.S. banks by assets · #338 of 346 in Texas. Assets changed 11.7% and deposits 13.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.63% |
| Return on equity | -5.80% |
| Net interest margin (YTD) | 3.94% |
| Equity to assets | 10.55% |
| Tier 1 leverage ratio | 13.58% |
| Uninsured deposits (share of deposits) | 23.7% |
| Noncurrent loans (share of loans) | 0.11% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 62.2% |
| Real estate loans (share of loans) | 65.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $19.25M | 65.5% | |
| Commercial & industrial | $8.44M | 28.7% | |
| Consumer / individual | $344.00K | 1.2% | |
| Construction & development | $1.75M | 6.0% | |
| Agricultural | $1.18M | 4.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $45.52M | $41.93M | $73.00K | $3.58M |
| Jun 2023 | $40.03M | $36.67M | $115.00K | $3.32M |
| Jun 2024 | $43.93M | $37.69M | -$81.00K | $6.17M |
| Jun 2025 | $47.86M | $41.68M | -$253.00K | $5.71M |
| Jun 2026 | $53.47M | $47.22M | -$165.00K | $5.64M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $47.22M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $47.22M.
Similar-sized banks
Compass Savings Bank ($53.52M) · Camp Grove State Bank ($53.08M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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