# GRANGER NATIONAL BANK
GRANGER, TX · FDIC certificate 3232 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (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 | $53.5M | |
| Deposits | $47.2M | |
| Loans and leases | $29.8M | |
| Total equity | $5.6M | |
| Loans / deposits | 62.24% (p33 of band) | 73.59% |
| Liquid assets / assets | 34.72% (p55 of band) | |
| Uninsured deposits / deposits | 23.70% (p64 of band) | 19.81% |
| Brokered deposits | 6.55% | |
| Wholesale funding | 6.55% (p77 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.58% (p68 of band) | 11.76% |
| Unrealized securities loss / equity | -38.50% (p10 of band) | -6.57% |
| AOCI / equity | -0.23% (p57 of band) | |
| ROA (annualized) | -0.63% (p4 of band) | 1.17% |
| Net interest margin | 3.94% (p50 of band) | 3.93% |
| Efficiency ratio | 115.44% (p96 of band) | |
| Noncurrent loans | 0.11% (p35 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | 1165.62% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 31.09% (p65 of band) | |
| Auto loans | $120,000 (0.40% of loans; DQ 35.00%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.3% | |
| Employees | 4 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## 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 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2012-06 | 1 |  | deposits shrinking |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | capital falling | uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | uninsured deposits leaving |  |
| 2015-06 | 0 |  | uninsured deposits leaving |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 0 |  | uninsured deposits leaving |
| 2016-03 | 1 | uninsured deposits leaving |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | uninsured deposits leaving |
| 2016-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2017-03 | 2 | noncurrent p90, reserve under noncurrent | deposits shrinking, uninsured deposits leaving |
| 2017-06 | 2 |  |  |
| 2017-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2018-12 | 3 | uninsured deposits leaving |  |
| 2019-03 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2019-06 | 0 |  | uninsured deposits leaving |
| 2019-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2019-12 | 1 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 1 | reserve under noncurrent |  |
| 2020-09 | 4 | capital falling, expense ratio p90, noncurrent p90 |  |
| 2020-12 | 3 |  | expense ratio p90 |
| 2021-03 | 4 | NIM <2.5% |  |
| 2021-06 | 3 | charge-offs p90 | reserve under noncurrent, noncurrent p90 |
| 2021-09 | 1 |  | capital falling, charge-offs p90 |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 | charge-offs p90 | capital falling |
| 2022-09 | 4 |  |  |
| 2022-12 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 4 |  | NIM <2.5%, AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 | NIM <2.5% | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-03 | 3 | capital falling |  |
| 2024-06 | 3 | losing money, expense ratio p90 | NIM <2.5%, capital falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 4 | capital falling |  |
| 2025-03 | 6 | deposits shrinking, uninsured deposits leaving |  |
| 2025-06 | 4 |  | deposits shrinking, uninsured deposits leaving |
| 2025-09 | 3 |  | capital falling |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | capital falling |  |
| 2026-06 | 4 |  |  |

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

- 2021-12-26 [The Big Picture - Texas Co-op Power](https://news.google.com/rss/articles/CBMiVkFVX3lxTE5ka2E0UXJVNWYzdXV5MGNmdFdqUFBGVWpHUFFvOEZtdkl3R045cWhYajhwMHBSdW00U0RtWUxMOEU4WTFTY3NmT0J0N0V2ajVoUHVIVVpn?oc=5) · Texas Co-op Power
- 2017-11-16 [Granger, Texas: Kolaches, Czech history and the backdrop of iconic films - KVUE](https://news.google.com/rss/articles/CBMivgFBVV95cUxNR0NVUGk3MXdhaXZqZjVkNnV4Mld4NVd2dXQ2Ym9Sams1dUh0TDAwdTlYN2VWdlJPcnRObmZlTlJQOTlrWDVwMVFGZ2F1dlNSaVNKY0ZpQU00MXdsWUt2a0ZkVm9kVXE3Y0xPYkMyeWg4d2llYkZ3aURvRjl1aGl2SVFPdC1YRkRHUWl0RVBlTDVwWHMwOFVDNWVMYXBheHJZYXhmU21HM0twRENQOEd6a0JPZzM3UGJsWExCU2Z3?oc=5) · KVUE
- 2025-01-28 [Diane Lalla Obituary - Taylor, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE5lRllTb09sYXBhNGxxRTd6WFMwZjE0cDl3bERIRW1ielpvQ1hoTDRVNlYySXFzdjdEWDdKVnZfSnd2M0RLWTdyTzZOUEVfVnE4NTh6NkFlV3Q0ZlJ2aGpiZTY3S3NvNzg0NFJJaHNwMVR2SHlxVWFUcE1mbG9YUQ?oc=5) · Dignity Memorial
- 2016-11-01 [Affidavit: Man who robbed Granger bank arrested - Austin American-Statesman](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOdm5jSHBRdWJfM2M3d2tITk1OQkp5VV9iNm1tMm9rdjhlY2VpSlZKTi1scWp6QlB3cC1JNnBkS2REZFE3T29pbTMyLVpfdzk2WWIxRzNTTm8wbTFiSUp3SDFmbUZGV0JSSTJJWllzOVk0OHVIQjhOVVM4cWdMT3NyTTBXbEF3VjdvNkkycXZEblNuTloycjJjcnZ5YmJOUlVWdnBwQkFPWll6dw?oc=5) · Austin American-Statesman
- 2021-12-24 [Granger’s History Comes Alive - Texas Co-op Power](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5kQTJ3X2xRWDIxd1JDQ2x5SGFDTXJqeG5UUDBMNHZYZjh2ZlRFbDhCS3V0SXJaTjZZdlN0UmNFUjEyTV9PVWNERE9vSl9uUWl5czR2R2wxeVY2N18yMjNlYmZ3bXVRVmc?oc=5) · Texas Co-op Power
- 2023-04-12 [Mason Annan Bosley Obituary (2023) - Elgin, TX - Elgin Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxPZ3hBUHpQamhMUlZ6UGRiT0tSMHJubHdmeWU3cm1HQlZZZ3BpUjNLaldqczVZZDJxSUNBb2s3VEdJVDNqV1lCYWdjSFRMSVkzNVNLQi0xVFFBQl9xQUxTV2xvdmxGVFJtenFRZktJWTdNazc1Q21rQUtlSG1uODJnMg?oc=5) · Legacy obituary
- 2024-06-16 [George Heger Obituary - Taylor, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTFBTcF9qTzk1R29kSGRkdDdsZWNSR1JIRXZPd2Jic3B2akhXT3RLaGR6X3RDWnppdGdrWkd5XzNQNWM5bS1md25CV0RmMkxhT2tYV0xoQ3RVbUV5TWJleU9GNG9xZHQxc1RSaEpGZ2lZakxIVGZWNmpxQkxSM2tIY0U?oc=5) · Dignity Memorial
- 2025-11-03 [Evelyn Kropp Obituary - Taylor, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE91M2kyVUZWSEwzZ0JIaldEQ2pVaVZrU3dRZ0ZjZzNkYjFpcHBVSzNBUy14RlBtT016NTlycmRPTVBfVkM1WVR2TXFTRkI1UWRCaGtXYVlGQVZuV3hBUkxwdWlvV09STnliOV9rOUtDbERIVlR3aFBwaU5Wa2hIb3c?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3232 (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/32.json (key "3232", 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