Side-by-side · Q2 2026 data
The First National Bank of Granbury vs Centennial Bank
Metric by metric
| Measure | The First National Bank of Granbury | Centennial Bank |
|---|---|---|
| TellerScore | 78 | 79 (stronger) |
| Capital cushion | 71 | 76 (stronger) |
| Loan quality | 74 | 82 (stronger) |
| Earnings | 73 | 100 (stronger) |
| Funding & liquidity | 96 (stronger) | 40 |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 72nd | 94th |
| Total assets | $946.3M | $24.6B |
| Deposits / shares | $835.3M | $19.6B |
| Capital ratio | 12.13% | 12.61% (stronger) |
| Problem loans | 0.78% | 0.55% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.07% |
| Return on assets | 1.32% | 2.13% (stronger) |
| Loans ÷ deposits | 62.8% (stronger) | 85.4% |
| Uninsured deposits | 16.3% (stronger) | 46.7% |
| Offices | 8 | 225 |
| CFPB complaints (3 yrs) | — | 55 |
| Complaints per $1B deposits | — | 2.8 |
| Mortgage denial rate (HMDA) | 3.3% | 23.4% |
Centennial Bank has the higher TellerScore (79 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Granbury leads on 3 and Centennial Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.