Side-by-side · Q2 2026 data
Texas Heritage National Bank vs The First National Bank of Granbury
Metric by metric
| Measure | Texas Heritage National Bank | The First National Bank of Granbury |
|---|---|---|
| TellerScore | 59 | 78 (stronger) |
| Capital cushion | 52 | 71 (stronger) |
| Loan quality | 58 | 74 (stronger) |
| Earnings | 77 (stronger) | 73 |
| Funding & liquidity | 34 | 96 (stronger) |
| Problem-loan coverage | 79 | 92 (stronger) |
| Peer percentile | 17th | 72nd |
| Total assets | $936.4M | $946.3M |
| Deposits / shares | $811.9M | $835.3M |
| Capital ratio | 10.17% | 12.13% (stronger) |
| Problem loans | 1.27% | 0.78% (stronger) |
| Net charge-offs | 0.04% | 0.01% (stronger) |
| Return on assets | 1.42% (stronger) | 1.32% |
| Loans ÷ deposits | 97.7% | 62.8% (stronger) |
| Uninsured deposits | 40.5% | 16.3% (stronger) |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.1% | 3.3% |
The First National Bank of Granbury has the higher TellerScore (78 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Texas Heritage National Bank leads on 1 and The First National Bank of Granbury on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.