Total Assets
$52M
Total balance-sheet footings
FDIC Cert #3232 · Granger, Texas · Est. 1920
The Granger National Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $52M
- Total assets
- C
- Health grade · Fair
- -1.13%
- Return on assets
- 14.4%
- Tier 1 capital
Data updated July 2026
The verdict
The Granger National Bank earns a PlainBankData health grade of C (55/100), with well-capitalized at 14.44% Tier 1, -1.13% ROA, 140% efficiency ratio.
- #4,123
- largest of 4,313 FDIC banks by assets
- 4th
- percentile by asset size, nationally
- 14.44%
- Tier 1 ratio - above the 10% well-capitalized line
- 2nd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 3232 · TX C · 55/100
GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL
- GRADE-C C (55/100)
- BOTTOM-DECILE #4061/4307
- PHOTO-FINISH The First National B… · AL
- TIER1-WELL 14.4% Tier 1
- TEXAS-CLEAN 0.6% Texas
- ROA-LOSS -1.13% ROA
- SIZE-COMMUNITY <$100M
- BOOK-FULL 9/9 fields
Nearest health peer outside Texas: The First National Bank and Trust, AL (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around The Granger National Bank
Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.
Call Report read for The Granger National Bank in a high-failure state
The Granger National Bank (FDIC Cert #3232) carries a PlainBankData health grade of C at 55/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,061 of 4,307. Tier 1 capital prints at 14.44%, clearing the 10% well-capitalized line. The Texas Ratio is 0.60%, inside the sub-50% band analysts treat as healthy. Return on assets is -1.13%. Balance-sheet scale is $52M, 4,123rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The First National Bank and Trust (AL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around The Granger National Bank
14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus
The Granger National Bank sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about The Granger National Bank's current Call Report.
- SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
- ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
- FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.
How The Granger National Bank's 55/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (14.44%) 35/40
Return on Assets (ROA) (-1.13%) 0/25
Texas Ratio (0.60%) 20/20
Efficiency Ratio (139.69%) 0/15
55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$46M
Customer-funded liabilities
Net Loans
$24M
Outstanding loan book
Net Income
$-550K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Granger National Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Granger National Bank's score of 55/100 falls in the highlighted band.
The Granger National Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
55 6th percentile higher than 6% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
The Granger National Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Granger National Bank's $52M falls in the highlighted band.
Capital & credit buffers at The Granger National Bank
Tier 1 capital ratio
Well-capitalized 10%
14.44% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.44%
Texas Ratio
0.60%
Equity Capital
$6M
Profitability metrics: The Granger National Bank
Return on Assets (ROA)
2nd percentile nationally
-1.13%
Return on Equity (ROE)
-9.56%
Efficiency Ratio
139.69%
Income & expense: loss period at The Granger National Bank
$2M
Interest Income
$183K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Granger National Bank reports a Texas Ratio of 0.60% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.60% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at The Granger National Bank
The Granger National Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-550K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at The Granger National Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Texas by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($52M here), outside Texas so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Granger National Bank (FDIC Cert #3232) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
The Granger National Bank Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |