Institution Statistics
| The Granger National Bank | | FDIC Certificate # | 3232 | | BankRate Report | View | | Year Established | 1920 | | Employees | 8 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $28.68 million | | Loans | $5.96 million | | Deposits | $23.73 million | | Equity Capital | $4.64 million | | Loan Loss Allowance | $215,000 |
Historic Data - March 2011 | | Assets | $29.05 million | | Equity Capital | $3.91 million | | Loan Loss Allowance | $215,000 | | Real Estate Owned | $81,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.24% | | Return on Assets | 0.75% | | Return on Equity | 4.66% | | Interest Income | $261,000 |
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Institution Health
Overall Score:
4 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Granger National Bank had $0 in non-current loans and owned real-estate with $4.86 million in equity and loan loss allowances on hand to cover it. This gives The Granger National Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, The Granger National Bank has decreased its total deposits by -$1.37 million, resulting in -5.45% 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 The Granger National Bank has shown is poor. | | Capitalization | | | 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. The Granger National Bank has $28.68 million in assets with $4.86 million in equity, resulting in a capitalization level of 16.94%, which is excellent. |
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