TellerScore

The First National Bank of Granbury is a national bank headquartered in Granbury, Texas, in business for about 139 years. At the end of Q2 2026 it reported $946.3M in total assets and $835.3M in deposits, with 9 offices.

The First National Bank of Granbury has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 116th. Funding & liquidity contributes the most (96/100, 63% loans-to-deposits, 16% uninsured); capital cushion contributes the least (71/100, 12.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Tier 1 leverage ratio: 12.13%
Loan quality74/100
Noncurrent loans ÷ total loans: 0.78%
Earnings73/100
Return on assets (annualized): 1.32%
Funding & liquidity96/100
Loans ÷ deposits and uninsured-deposit share: 62.8% · 16.3% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.88%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (74 → 78), mostly because the capital cushion component improved by 6 points.

TellerScore
677378Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202467
Q4 202470
Q1 202572
Q2 202574
Q3 202576
Q4 202574
Q1 202676
Q2 202678
Tier 1 leverage ratio
5.00%8.57%12.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.12%
Q3 202411.37%
Q4 202410.99%
Q1 202511.13%
Q2 202511.48%
Q3 202511.75%
Q4 202511.47%
Q1 202611.71%
Q2 202612.13%
Noncurrent loans
0.78%1.14%1.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.89%
Q3 20241.49%
Q4 20241.02%
Q1 20250.98%
Q2 20250.97%
Q3 20250.85%
Q4 20250.87%
Q1 20260.85%
Q2 20260.78%
Return on assets
0.93%1.13%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.93%
Q3 20240.98%
Q4 20240.94%
Q1 20251.14%
Q2 20251.23%
Q3 20251.28%
Q4 20251.24%
Q1 20261.18%
Q2 20261.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$946.3M12.13%0.78%1.32%62.8%
Q1 202676$944.5M11.71%0.85%1.18%59.7%
Q4 202574$992.5M11.47%0.87%1.24%55.9%
Q3 202576$930.5M11.75%0.85%1.28%60.3%
Q2 202574$930.4M11.48%0.97%1.23%59.3%
Q1 202572$933.1M11.13%0.98%1.14%57.1%
Q4 202470$931.3M10.99%1.02%0.94%56.6%
Q3 202467$900.0M11.37%1.49%0.98%58.5%
Q2 202471$881.6M11.12%0.89%0.93%57.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.13%
66th
Total risk-based capital0.00%
24th
Problem loans0.78%
34th
Net charge-offs0.01%
45th
Return on assets1.32%
55th
Net interest margin3.75%
40th
Efficiency ratio58.1%
63rd
Loans to deposits62.8%
79th
Uninsured deposits16.3%
78th
Loan-loss reserves1.22%
53rd
Texas ratio3.9%
42nd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Western BankBank Lubbock, TX71 out of 100, Strong$947.2M9.8%0.31%vs
Texas BankBank Henderson, TX70 out of 100, Strong$953.9M10.6%0.46%vs
Texas Heritage National BankBank Daingerfield, TX59 out of 100, Moderate$936.4M10.2%1.27%vs
NewFirst National BankBank El Campo, TX84 out of 100, Strong$934.9M12.5%0.21%vs
First National Bank and Trust Company of WeatherfordBank Weatherford, TX42 out of 100, Below average$968.3M10.4%5.51%vs
Transpecos Banks, SSBBank Pecos, TX14 out of 100, Low$972.1M6.7%8.15%vs

Deposit insurance

Is my money safe at The First National Bank of Granbury?

Yes. The First National Bank of Granbury is an FDIC-insured institution (FDIC certificate #3228). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.3% of deposits ($136.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.13%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

The First National Bank of Granbury lists 8 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The First National Bank of Granbury reported 163 home-loan applications under HMDA (LEI 5493007XRAHUC7QUVO11): 146 originated ($44,460,000 total), 5 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The First National Bank of Granbury
Type
National bank
FDIC certificate #
3228
RSSD ID
329952
Primary regulator
OCC
Holding company
First Granbury Bcorp
Established
January 1, 1887
Headquarters
101 E Bridge St, Granbury, TX 76048
Employees
162

Quick answers

The First National Bank of Granbury: common questions

Is The First National Bank of Granbury FDIC insured?

Yes. The First National Bank of Granbury is an FDIC-insured institution (FDIC certificate #3228). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Granbury's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The First National Bank of Granbury ever failed?

There is no failure record for FDIC certificate #3228 in the FDIC failed bank list.

How many branches does The First National Bank of Granbury have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Granbury

InstitutionScoreAssetsCapitalProblem loansCompare
First Command BankBank Fort Worth, TX82 out of 100, Strong$1.1B10.2%0.42%vs
Eecu Credit UnionCredit union Fort Worth, TX81 out of 100, Strong$4.9B12.7%0.45%vs
First BankBank Burkburnett, TX81 out of 100, Strong$703.6M13.9%0.80%vs
Grandview BankBank Grandview, TX81 out of 100, Strong$729.3M12.4%0.12%vs
TexasBankBank Fort Worth, TX80 out of 100, Strong$2.5B12.9%0.41%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs