The First National Bank of Granbury
Granbury, TX
IDRSSD: 329952
Total Assets
$930.51M
Latest filing
Total Deposits
$825.39M
Latest filing
Net Interest Margin
3.71%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank of Granbury
101 E Bridge St
Granbury, TX 76048
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1887FDIC Certificate 2083
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank of Granbury (Main) | 101 E Bridge St | Granbury, TX |
| 144 BRANCH | Highway 144 South | Granbury, TX |
| 377 BRANCH | Highway 377 East | Granbury, TX |
| ACTON BRANCH | 3000 Fall Creek Hwy | Granbury, TX |
| MOBILE BRANCH | 101 E Bridge St | Granbury, TX |
| TOLAR BANKING CENTER BRANCH | 8401 Hwy 377 West | Tolar, TX |
| PECAN PLANTATION BRANCH | 9205 Plantation Dr | Granbury, TX |
| NOLAN RIVER BANKING CENTER BRANCH | 1705 N Nolan River Rd | Cleburne, TX |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1887 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76048 |
| State and County Number | 48221 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Granbury, TX |
Operational Info
| Number of Employees | 156 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnbgranbury.com |
| Data Updated | 11/14/2025 |
| CERT | 3228 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $930.51M |
| Total Deposits | $825.39M |
| Total Liabilities | $830.60M |
| Total Equity Capital | $99.91M |
| Net Income | $3.26M |
| Net Loans and Leases | $497.77M |
| Assets Per Employee ($Millions) | $6.08M |
| Bank Premises and Fixed Assets | $9.46M |
| Cash and Balances due from Depository Institutions | $55.85M |
| Deposits Held in Domestic Offices | $825.39M |
Key Performance Ratios
| Return on Assets (ROA) | 1.4% |
| Return on Equity (ROE) | 13.53% |
| Net Interest Margin | 3.71% |
| Efficiency Ratio | 56.71% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.737% |
| Earning Assets to total Assets | 96.42% |
Income and Expense
| Total Interest Income | $11.38M |
| Total Noninterest Income | $1.09M |
| Total Interest Expense | $3.06M |
| Total Noninterest Expense | $5.34M |
| Net Interest Income | $8.31M |
| Pre-tax Net Operating Income | $4.09M |
| Provision for Credit Losses | $-20,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $79.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $47.46M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.21M |
| Total Liabilities and Capital | $930.51M |
Securities
| Securities | $305.13M |
| Available-for-sale debt securities | $305.13M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First National Bank of Granbury?
$930.51M as of the latest filing.
How much are The First National Bank of Granbury's total deposits?
$825.39M in total deposits.
Where is The First National Bank of Granbury located?
Granbury, TX.
What is the Net Interest Margin?
3.71%.
How many domestic offices does it operate?
8.
When was it established?
01/01/1887.
What is the Return on Assets (ROA)?
1.4%.
How much are total loans and leases?
$497.77M (latest filing).
What is the total interest income (latest filing)?
$11.38M.