The Granger National Bank

Granger, TexasFDIC Cert #3232

OCCEstablished 19201 branch

Holding company: GRANGER BANCSHARES INCRegulator: OCC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$2.21M
Investor CRE	$7.64M
Multifamily	$129K
Construction	$265K
1–4 family	$4.42M
C&I	$6.23M
Agriculture	$3.44M
Other	$331K

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$24.7M

+21.2%y/y

Percentile by value39th percentileby value

FDICLNLSGR

Net loans

$24.3M

+21.7%y/y

Percentile by value39th percentileby value

FDICLNLSNET

Loans YoY

+21.66%

−91.4%y/y

Percentile by value92nd percentileby value

FDICLNLSNET

L/D

55.2%

+13.8%y/y

Percentile by value36th percentileby value

FDICLNLSNET + DEP

Loans/assets

48.4%

+13.8%y/y

Percentile by value41st percentileby value

FDICLNLSNET + ASSET

RE loans %

70.96%

+9.9%y/y

Percentile by value54th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,133points

−5.4%y/y

Peer standing72nd percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

8.95%

+2.1%y/y

Percentile by value72nd percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

31.00%

+14.0%y/y

Percentile by value97th percentileby value

FDICLNRENROT + LNLSGR

C&I %

25.27%

−24.0%y/y

Percentile by value88th percentileby value

FDICLNCI + LNLSGR