B
The First National Bank of Granbury
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The First National Bank of Granbury
Granbury, TX
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Rating B
Asset Quality Index 7.10
Capitalization Index 10.00
Liquidity Index 3.80
Profitability Index 6.10
Stability Index 7.10
Company Info The First National Bank of Granbury
Granbury, TX
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FDIC Number 3228
Phone Number (817) 573-2655
Website www.fnbgranbury.com
Asset Quality The First National Bank of Granbury
Granbury, TX
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1-Year Asset Growth 3.39%
5-Year Asset Growth 9.59%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.71%
Non-Performing Loans to Capital 4.63%
Non-Performing Loans to Loans 1.29%
Balance Sheet The First National Bank of Granbury
Granbury, TX
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Total Assets 930.51M
Total Deposits 825.39M
Capital and Reserves The First National Bank of Granbury
Granbury, TX
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Capital 99.91M
Leverage Ratio 11.75
Loan Loss Reserves to Loans 1.26%
Risk-Based Capital Ratio --
Liquidity The First National Bank of Granbury
Granbury, TX
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Hot Money Ratio 22.47%
Liquidity Ratio 41.90%
Profitability The First National Bank of Granbury
Granbury, TX
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5-Year Return on Average Assets 1.06%
Net Income 8.97M
Net Interest Spread 3.60%
Operating Profit to Average Assets 1.57%
Overhead Efficiency Ratio 58.21%
Return on Assets 1.28%
Return on Equity 13.21%