Side-by-side · Q2 2026 data
Grandview Bank vs First National Bank of Central Texas
Metric by metric
| Measure | Grandview Bank | First National Bank of Central Texas |
|---|---|---|
| TellerScore | 81 | 81 |
| Capital cushion | 74 (stronger) | 58 |
| Loan quality | 96 | 97 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 36 | 65 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 80th | 91st |
| Total assets | $729.3M | $1.8B |
| Deposits / shares | $639.6M | $1.6B |
| Capital ratio | 12.35% (stronger) | 10.83% |
| Problem loans | 0.12% | 0.10% (stronger) |
| Net charge-offs | 0.02% | 0.02% (stronger) |
| Return on assets | 2.44% | 2.55% (stronger) |
| Loans ÷ deposits | 84.1% (stronger) | 87.8% |
| Uninsured deposits | 51.4% | 21.1% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Grandview Bank leads on 2 and First National Bank of Central Texas on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.