Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
2341 S. Belt Line Rd.
Grand Prairie, TX 75051

Grand Bank of Texas is headquartered in Grand Prairie and is the 248th largest bank in the state of Texas. It is also the 3,048th largest bank in the nation. It was established in 1975 and as of June of 2014, it had grown to 60 employees at 5 locations. Grand Bank of Texas has a B+ health rating.

Related Posts

Reviews (4)

Online And In Person Service Declining.

I agree with Blake 100%.  I did an accounts transfer on Saturday so that I could order my fiance's wedding ring!  It is going to be hand-made and TIME is of the essence!  I have been unable to pay the artisan, even today as the transfer was supposed to post!  It has yet to and I still can't get HIS WEDDING RING!  I have no clue why it should take THIS LONG to transfer funds between accounts that are BOTH MINE!  Everyone else I know has no problem doing this.  Why do I?  

Furthermore, in the last few years, every time I go in, the staff is incredibly rude.  One woman had me in tears in the Drive-Thru!  I once called to check on my new account and was asked why I got a new checking account.  I don't think that's their business!  How about I just close my account altogether, because it's obvious I'm putting them out!


I have been Banking at Grand Bank since June of 1975. Since Marshal Sutton has left your service to me has

gone downhill. If I go to the Bank and ask for rolls of coins at the commerical drive thru I am told they have none at their station and I need to go inside and get the rolls. If I go inside and ask for rolls the tell me they

that I must go to the drive thru. If you do not want my business just say so!!!!!

Thank you,

Blake Floyd

1606 Capetown Drive

Grand Prairie,TX 75050

Poorly Run Institution

Where do I start? With their poorly designed web banking site, a staff that does not place customer service first or exorbitant fees that will nickel and dime your account to a zero balance, this bank gets a check by all three points. Moving my money from this bank as of April 2012. 

Good Rate On Checking

Quarter guy needs to relax. I've had no problems with this bank what so ever. They give a fantastic rate on my checking 2.85%. Best I've had especially in these times.


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Grand Bank of Texas had $2.45 million in non-current loans and owned real-estate with $18.21 million in equity and loan loss allowances on hand to cover it. This gives Grand Bank of Texas a Texas Ratio of 13.43% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Grand Bank of Texas experienced no significant changes from 14.67% as of June 30, 2013 to 13.43% as of June 30, 2014, resulting in a positive change of 8.41%.This indicates that the balance sheet and financial strength for Grand Bank of Texas has had no significant changes in recent periods.

Deposit Growth


In the past year, Grand Bank of Texas has increased its total deposits by $34.95 million, resulting in 23.58% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Grand Bank of Texas has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Grand Bank of Texas has $200.19 million in assets with $18.21 million in equity, resulting in a capitalization level of 9.10%, which is average.

Institution Statistics

FDIC Certificate #22040
Year Established1975
Primary RegulatorFDIC
Assets and Liabilities
Assets$200.19 million
Loans$147.68 million
Deposits$183.18 million
Equity Capital$16.26 million
Loan Loss Allowance$1.95 million
Unbacked Noncurrent Loans$558,000
Real Estate Owned$1.89 million
Historic Data - June 2013
Assets$164.27 million
Equity Capital$15.42 million
Loan Loss Allowance$1.73 million
Unbacked Noncurrent Loans$558,000
Real Estate Owned$2.02 million
Profit Margin - Quarterly
Return on Assets0.64%
Return on Equity7.67%
Interest Income$4.60 million

Sorry, we do not have rate data for Grand Bank of Texas


Grand Bank of Texas Locations
Marble Falls Branch1800 Mormon Mill RoadMarble Falls, TX 78654
Grand Bank Of Texas2341 South Belt Line RoadGrand Prairie, TX 75051
Dallas Beckley Branch305 E. Colorado Blvd.Dallas, TX 75203
Carrier Parkway Branch530 S. Carrier ParkwayGrand Prairie, TX 75051
Horseshoe Bay Branch8000 W Fm 2147Horseshoe Bay, TX 78657