The Granger National Bank is a national bank headquartered in Granger, Texas, in business for about 106 years. At the end of Q2 2026 it reported $53.5M in total assets and $47.2M in deposits, with 1 office.
Based on its Q2 2026 filing, The Granger National Bank scores 73/100, which we describe as strong. That is higher than only 48% of 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 198th. Its strongest component is problem-loan coverage (99/100; 0.5%), and its lowest is earnings (0/100; -0.63%).
TellerScore · Q2 2026
Scorecard
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 fell 7 points (80 → 73), mostly because the capital cushion component weakened by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 80 |
| Q4 2024 | 80 |
| Q1 2025 | 80 |
| Q2 2025 | 80 |
| Q3 2025 | 78 |
| Q4 2025 | 77 |
| Q1 2026 | 74 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 19.26% |
| Q3 2024 | 17.42% |
| Q4 2024 | 16.16% |
| Q1 2025 | 15.72% |
| Q2 2025 | 15.36% |
| Q3 2025 | 15.39% |
| Q4 2025 | 14.44% |
| Q1 2026 | 13.83% |
| Q2 2026 | 13.58% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.34% |
| Q3 2024 | 0.05% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.17% |
| Q4 2025 | 0.15% |
| Q1 2026 | 0.24% |
| Q2 2026 | 0.11% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.36% |
| Q3 2024 | -1.08% |
| Q4 2024 | -1.60% |
| Q1 2025 | -1.04% |
| Q2 2025 | -1.07% |
| Q3 2025 | -1.10% |
| Q4 2025 | -1.13% |
| Q1 2026 | -0.65% |
| Q2 2026 | -0.63% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $53.5M | 13.58% | 0.11% | -0.63% | 62.2% |
| Q1 2026 | 74 | $50.3M | 13.83% | 0.24% | -0.65% | 55.2% |
| Q4 2025 | 77 | $52.3M | 14.44% | 0.15% | -1.13% | 51.9% |
| Q3 2025 | 78 | $49.1M | 15.39% | 0.17% | -1.10% | 54.2% |
| Q2 2025 | 80 | $47.9M | 15.36% | 0.05% | -1.07% | 51.2% |
| Q1 2025 | 80 | $47.1M | 15.72% | 0.05% | -1.04% | 48.5% |
| Q4 2024 | 80 | $46.9M | 16.16% | 0.02% | -1.60% | 45.6% |
| Q3 2024 | 80 | $47.2M | 17.42% | 0.05% | -1.08% | 37.6% |
| Q2 2024 | 78 | $43.9M | 19.26% | 0.34% | -0.36% | 21.5% |
546 peers · Under $100 million in assets
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of MoodyBank Moody, TX | 92 out of 100, Very strong | $54.2M | 18.3% | 0.00% | vs |
| Lovelady State BankBank Lovelady, TX | 73 out of 100, Strong | $52.5M | 12.8% | 1.42% | vs |
| State National BankBank Groom, TX | 72 out of 100, Strong | $55.1M | 12.6% | 0.35% | vs |
| Amistad BankBank Del Rio, TX | 86 out of 100, Very strong | $57.0M | 15.3% | 0.00% | vs |
| The Donley County State BankBank Clarendon, TX | 66 out of 100, Moderate | $49.7M | 20.9% | 2.77% | vs |
| The First National Bank in CooperBank Cooper, TX | 72 out of 100, Strong | $57.3M | 13.1% | 1.44% | vs |
Deposit insurance
Is my money safe at The Granger National Bank?
Yes. The Granger National Bank is an FDIC-insured institution (FDIC certificate #3232). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.7% of deposits ($11.2M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.58%, 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%).
1 location
Branches
The Granger National Bank lists 1 office in 1 city. Most locations:
- Granger, TX (1)
Identity & history
Profile
- Legal name
- The Granger National Bank
- Type
- National bank
- FDIC certificate #
- 3232
- RSSD ID
- 272151
- Primary regulator
- OCC
- Holding company
- Granger Bancshares Inc
- Established
- March 8, 1920
- Headquarters
- 201 W Davilla St, Granger, TX 76530
- Website
- www.grangernationalbank.com
- Employees
- 4
Quick answers
The Granger National Bank: common questions
Is The Granger National Bank FDIC insured?
Yes. The Granger National Bank is an FDIC-insured institution (FDIC certificate #3232). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Granger National Bank's TellerScore?
73 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 Granger National Bank ever failed?
There is no failure record for FDIC certificate #3232 in the FDIC failed bank list.
How many branches does The Granger National Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Granger
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Buckholts State BankBank Buckholts, TX | 96 out of 100, Very strong | $138.8M | 17.6% | 0.02% | vs |
| Citizens National BankBank Cameron, TX | 86 out of 100, Very strong | $691.8M | 12.7% | 0.00% | vs |
| Pecu Credit UnionCredit union Austin, TX | 86 out of 100, Very strong | $431.4M | 14.8% | 0.47% | vs |
| Rockdale Federal Credit UnionCredit union Rockdale, TX | 85 out of 100, Very strong | $108.2M | 11.7% | 0.08% | vs |
| The City National Bank of TaylorBank Taylor, TX | 82 out of 100, Strong | $250.3M | 12.9% | 0.38% | vs |
| Grandview BankBank Grandview, TX | 81 out of 100, Strong | $729.3M | 12.4% | 0.12% | vs |