# GRANDVIEW BANK
GRANDVIEW, TX · FDIC certificate 3230 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $729.3M | |
| Deposits | $639.6M | |
| Loans and leases | $544.7M | |
| Total equity | $85.4M | |
| Loans / deposits | 84.07% (p56 of band) | 82.04% |
| Liquid assets / assets | 21.92% (p39 of band) | |
| Uninsured deposits / deposits | 51.38% (p95 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.35% (p72 of band) | 10.81% |
| Unrealized securities loss / equity | -4.88% (p64 of band) | -8.10% |
| AOCI / equity | -0.38% (p48 of band) | |
| ROA (annualized) | 2.44% (p94 of band) | 1.28% |
| Net interest margin | 5.20% (p96 of band) | 3.91% |
| Efficiency ratio | 38.32% (p4 of band) | |
| Noncurrent loans | 0.12% (p25 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p64 of band) | |
| Reserve coverage of noncurrent | 1053.83% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 106.16% (p89 of band) | |
| Auto loans | $7.3M (1.34% of loans; DQ 0.26%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.7% | |
| Employees | 75 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 | capital falling | uninsured deposits leaving |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 | construction >100% equity | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | capital falling |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | capital falling |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 3 | uninsured deposits >50%, capital falling |  |
| 2024-03 | 2 |  | capital falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | uninsured deposits >50% |
| 2026-03 | 3 | uninsured deposits >50%, run vulnerability |  |
| 2026-06 | 2 |  | run vulnerability |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-01-08 [Two banks open new branches in fast-growing Burleson - The Business Press](https://news.google.com/rss/articles/CBMilAFBVV95cUxNSTkwZlY5UHh4djZfVmU2QmpKMkhBMXg1dmpEOVhjakNyVldvc2Z6ZmNHTk0yOTdHWDJBTk5yQVdaS19oaXhYaktMd3duWjhuZHpoaUVadmtnOTA1cElaeWpNVFZGMm1YclVBVTN3ejBiclNna2VZZkNoS1h4TEJaUnlBRHBVX3BMczhpODI1V1dfajNU?oc=5) · The Business Press
- 2015-09-11 [Father and daughter arrested after bank robbery in Grandview, Texas, and chase that hit 150 mph - CBS News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQVUZZQXlXXzJTdWZUa0FPeEo3VHEybFJKRGhiWDhfQ2pFUUhQSGxhTzNvOEY3YkZHVTB2OV90WXpZWmNRQmZsVng2eHpRQTlOeFNMRTNjampucThRY0NQNlFUcmdxcGRSamFkUDNDUVczendZNHZlbjdQYl85Z1BWX2ZHaVNVSW9SZE000gGQAUFVX3lxTE9xZFpMNHFsVHI3Rk05c01CUjEtQWJua21ic25QcFlhOGVEc3o0YjZOeXlqV3lZSTBZX3E3VDV4VDhIWjlnZXF6ajJFRXc1Yy1mMjh2VXJwaWhKSlVMVm9pVkpMai0zUkJBTmZjZ1c1RGR2OWNvUUN5VzB3cVAxcmhsTFR5ODZhYWxNNW5CeVNMTQ?oc=5) · CBS News
- 2022-01-08 [Grandview Bank opens new Burleson location - Cleburne Times-Review](https://news.google.com/rss/articles/CBMizgFBVV95cUxPV21JMi04OFdPX2RBdlR5cmlkX3VMSFdxdnBBcXk0YW9nb2N0QjRqTUpHRGhyc3Y1aXY0WmZ5RUk0cVRJU2ZXc1BLZzZEdk1wYmQ3d3BjOTRkbXVLQTdfOGFZR2dpNHNGZUVuZjdxektEYVEweVhCMzNlX3E1X29tbmplR1Vwc0wtcWRoWmVnOGNkQWloa0h2TnYxMmRkZEl0Rzh4dFFBaExMenFyNlQ2NWZPV2dSZEtkTDNyQzJvOEduOFJUVU4tS3hyYXBWZw?oc=5) · Cleburne Times-Review
- 2015-09-10 [Father, Daughter in Jail for Bank Robbery, Chase: Officials - NBC 5 Dallas-Fort Worth](https://news.google.com/rss/articles/CBMioAFBVV95cUxPZnJCQXh5N2l5QzRkMzBIcFpVYkJNOVJueHBCYnZFYlBERzBGNDhuM0ZaZjBqSy1XWTVibzVjakdOcWdBSC1RNHA1TkJOMmFySGlSUzVvRWpMelljWnNDaThaR0FmdF9HZ284d0Nka3p5MUpjZnNRMDVRaVRQUUFVUmxGUS11WnhVbjR5SzNXY2pyQ19BTGpUY2dzaHkzVHFx0gGoAUFVX3lxTFAxOV8tWXMxV2RueE5DSF9xWHRyUDBTQURPTmlyMjN0eTliek1CZHZIWkNwWlJKbGkwQjFFMGJtQkhtbnAwQ01aRzJnbEE2YnhWN3c5a1dVcGpnUWY3eDBJaTBmTmNidXJKSkJPdDVlUGQ0WlJkNXBUMklMaUR0RzhqSFI2ajRzeEkydmdpb1c4UFhwanBSTmRHMlFHdWVrcy1mTGlPZFpvVA?oc=5) · NBC 5 Dallas-Fort Worth
- 2015-09-11 [A Father Daughter Bank Robbery - cbsaustin.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE1yZXVmSWY0RFowR3NvV184VUpraVlldlpFZUpoLWY5RnlrbDczczFoR0hQaFM5RHNRaGFSenpJclMxNGhIWGRBUW5rbUp1c1hBdFlXQk9iMkVCcVNPM2RlMUxZYXFMT25WMU9mS1BPVk4?oc=5) · cbsaustin.com
- 2015-09-11 [Texas father-daughter duo rob bank, lead police on 150-mph chase - New York Daily News](https://news.google.com/rss/articles/CBMipgFBVV95cUxOaHhJYnBoVVozRF9EbEhRZXdTZWREVTQyWTdINWw3MURMV1hPb0szVlg5WkRTakxCeWltaGVoLXdHVFJUbGNvUWROSGVoMDZvZmNlTEFNcTh1RHBPVDZJenpHUjBKaFIyRlRaT0ZoaEZYcHRTS3Z5T1h3SDdoaWVwbzY2YktKQVA3VWVGUmtVT0lhOW1tTHBEX1BMZFpWcEhFWExUQVhR?oc=5) · New York Daily News
- 2015-09-10 [Neighbors Say Accused Bank Robber Has PTSD - CBS News](https://news.google.com/rss/articles/CBMihAFBVV95cUxOZEtweU9KTWlEZ1IyeXBDOGVjczNWaUF6RTZUTUtGZHVUblVUS2toY1FOSmtETFpoa0V1cF95b2RLNU5mQkcwUlNESXpzNm5WSGIyU1JTUHEyX3hGNTNJcTVNN0RJcHU5UnVlSnUxblEwb0hZalZGZW1QVWRZUTBZNzExMmM?oc=5) · CBS News
- 2007-03-11 [John Watson: Grandview Bank, Johnson County’s oldest - Cleburne Times-Review](https://news.google.com/rss/articles/CBMi5wFBVV95cUxNV3MyWVdoZXFpS3BFMTk3OVY0VEJYcVlzRTlVUG1rNGkwMjVEbTAxVXNDamtsbFZHbVlRdEo4LWdDRmYwOWJhTmFnMjRod2owSXFIOTNfU1d1R0ppMldYa0NQWXJEUnk0d0hYVkhXbkhmX1BldElrRXM2ZmxUV2hIV2d6LW5XTm1QaTZaYUZiQnRtVlFnX0t3V3g3eFZHTWtja1Z3bk1jSGpZRmloZTc5UEN3NTd5S004YWpURHVGQzhhZ1RnUXN5SGVjQmVlb3ozdGJNM2dKcXV1Z3Zzd1QwM2x0LWxWRnc?oc=5) · Cleburne Times-Review

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3230 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/30.json (key "3230", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide