Granger National Bank
Granger National Bank is a community bank founded in 1920 in Granger, Texas, serving individuals, local businesses, farmers, and real estate buyers with deposit accounts, loans, treasury services, and digital banking.
- Company typePrivate
- Founded1920
- HeadquartersGranger, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Granger National Bank does
Granger National Bank (legal name: Granger National Bank and Trust Company) is a federally chartered, FDIC-insured community bank founded in 1920 and headquartered in Granger, Texas, with a secondary appointment-only location in Houston. The bank serves individual consumers, local businesses, farmers and ranchers, and real estate buyers in central Texas, with a product portfolio spanning deposit accounts (Regular, Advantage, NOW, and Money Market Checking, plus Savings, CDs, and IRAs), consumer and commercial loan products (commercial, agricultural, real estate, and home loans), and treasury services for businesses (ACH, wire transfers, business credit cards, and remote deposit capture). Digital channels include a 24/7 online banking platform and native iOS and Android mobile applications, with payment integrations through Apple Pay, Google Pay, and Zelle.
The bank's underlying technology is a conventional third-party core banking platform (ProfitStars/TeleWeb, based on the published mobile app identifier), with feature sets limited to standard remote deposit capture, ACH processing, online bill pay, and wire transfer infrastructure. There is no disclosed proprietary AI/ML functionality, custom-built core system, or published API. Pricing is quote-based and not publicly disclosed, with structured checking tiers (e.g., $100 opening deposit on Regular Checking, $500 on NOW, $1,000 on Money Market) and monthly fee waivers tied to minimum balances.
The bank operates a community-led, direct-to-consumer go-to-market model, monetizing primarily through net interest income on loans, deposit account fees and service charges, wire transfer fees, debit card interchange, and business credit card revenue. The branch remains the primary distribution channel, supplemented by online and mobile self-serve channels. Customer segments are weighted toward individuals and local businesses, with a secondary focus on agricultural and real estate lending. Ownership is local and privately held, with the Heger family having held a majority interest since 1973; the senior leadership team was refreshed in 2024 with the appointment of Giancarlo Ortega as Chairman and Eric Diehl as CFO.
Granger National Bank firmographics
Firmographics- Name
- Granger National Bank
- Legal name
- Granger National Bank and Trust Company
- Website
- https://grangernationalbank.com
- Company type
- Private
- Founded year
- 1920
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Granger National Bank is a community bank founded in 1920 in Granger, Texas, serving individuals, local businesses, farmers, and real estate buyers with deposit accounts, loans, treasury services, and digital banking.
- Ownership category
- akta.pro rank
Where Granger National Bank is headquartered
LocationHeadquarters
- HQ city
- Granger
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Granger National Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income from Loans: Primary revenue source from interest charged on commercial loans, agricultural loans, real estate loans, and other credit products. The bank offers flexible loan options tailored to business expansion, equipment purchases, and property acquisitions.
- Deposit Account Fees and Service Charges: Monthly service charges, minimum balance fees, excessive item fees, and other account-related service fees from checking and savings accounts. Fee structures vary by account type based on balance requirements.
- Wire Transfer Fees: Fees charged for domestic and international wire transfers, both outgoing and incoming. Cut-off times apply for same-day processing.
- Debit Card Interchange: Transaction fees earned from debit card usage at ATMs and point-of-sale locations nationwide
- Business Credit Cards: Revenue from business credit card transactions and associated fees
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Regular Checking - Basic account with $100 opening deposit |
| Subscription | Monthly | Advantage Checking - Account for customers aged 65+ |
| Subscription | Monthly | NOW Checking - Interest-bearing checking account |
| Subscription | Monthly | Money Market Checking - High-balance tiered interest account |
| Subscription | Quarterly | Savings Accounts |
| Subscription | Annual | Certificates of Deposit and IRAs |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels4 records
Granger National Bank product offering
Product offeringCore offering
Granger National Bank is a community bank that accepts deposits (checking, savings, CDs, IRAs) and originates loans (commercial, agricultural, real estate, and home mortgages) for individuals, local businesses, and farmers. It delivers these services through physical branches in Granger and Houston combined with a digital banking suite spanning online banking, mobile apps, remote deposit capture, and online bill pay. Treasury services such as ACH, wire transfers, and business credit cards round out the cash management offering for commercial customers.
Product overview
Granger National Bank operates as a traditional community bank offering a unified suite of banking products centered on personal and commercial financial services. The core offerings include multiple checking and savings account types (Regular Checking, Advantage Checking, NOW Checking, Money Market Checking, Savings, CDs, and IRAs), loan products (Commercial Loans, Agricultural Loans, Real Estate Loans, and Home Loans), and digital banking services (Online Banking, Mobile Banking App, Bill Pay, and Remote Deposit Capture). Treasury Services provides business-focused cash management including ACH transactions, wire transfers, and business credit cards. All products are delivered through the bank's community banking model with local decision-making.
Differentiator
Problem solved
Functional benefit
Products and services
- Checking Accounts
Companies that use Granger National Bank
Customer profileSegments4 records
Ideal customer profiles2 records
Granger National Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature6 records
Granger National Bank partnerships and signals
Strategic signalScale indicators2 records
Recent moves6 records
Expansion highlights4 records
Granger National Bank competitors and assessment
Company assessmentDirect peers
- Extraco Banks: Central Texas community bank with deep ag-banking expertise and commercial lending across rural Texas markets. Strong peer for benchmarking GNB's agricultural lending franchise.
- McClain Bank: Purcell, Oklahoma community bank led by board member Steve Sherman as President/Head of Lending. Directly comparable small-market community bank with agricultural and commercial lending, providing a useful peer for governance and lending practices.
- Houston Business Bank: Houston-based community bank founded by Granger National Bank's current Chairman Giancarlo Ortega. Operates as a similarly sized Texas community bank serving local commercial customers, making it a direct comparable for GTM, customer mix, and leadership profile.
- Broadway National Bank: San Antonio-based privately held community bank with a long history of relationship banking, commercial lending, and treasury services. Comparable community-bank model serving Texas businesses and consumers.
- First National Bank of Central Texas: Central Texas community bank offering personal, commercial, and agricultural lending in markets similar to Granger. Comparable in scale, deposit model, and rural Texas customer focus.
- Happy State Bank (FirstBank Texas): Texas Panhandle-based community bank historically serving agricultural and small-business customers with a relationship-driven model. Similar rural Texas customer mix and lending strategy to GNB.
- Texas First Bank: Texas-headquartered community bank providing personal and commercial banking services across the Texas Gulf Coast. Comparable to GNB in serving small businesses, agricultural clients, and consumer depositors with a community-led model.
Broad incumbents
- Texas Capital Bank: Texas-headquartered commercial bank with significant commercial lending and treasury services capabilities. Larger incumbent that competes for the same commercial and Houston-area clients GNB targets.
- Prosperity Bank: One of the largest Texas-based community banks with deep Central Texas presence and broad commercial/agricultural lending franchise. Larger-scale incumbent peer for understanding competitive dynamics GNB faces.
Regional players
- Independent Bank Group: Texas-headquartered community banking franchise operating across North and Central Texas. Larger and more geographically diversified than GNB but a relevant peer for community-banking strategy in the same state.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Granger National Bank social profiles
Digital presenceGranger National Bank compliance and trust
Trust signalCompliance1 record
Granger National Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Granger National Bank leadership team
Management profileNumber of profiles
Profiles11 records
Granger National Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Granger National Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Granger National Bank
What does Granger National Bank do?
Granger National Bank is a community bank that accepts deposits (checking, savings, CDs, IRAs) and originates loans (commercial, agricultural, real estate, and home mortgages) for individuals, local businesses, and farmers. It delivers these services through physical branches in Granger and Houston combined with a digital banking suite spanning online banking, mobile apps, remote deposit capture, and online bill pay. Treasury services such as ACH, wire transfers, and business credit cards round out the cash management offering for commercial customers.
Is Granger National Bank a public or private company?
Granger National Bank is a private company. It is classified as family owned and is currently operating.
When was Granger National Bank founded?
Granger National Bank was founded in 1920. It employs 11 to 50 people.
Where is Granger National Bank based?
Granger National Bank is headquartered in Granger, United States, in the North America region.
How does Granger National Bank make money?
Five revenue lines are on record. Interest Income from Loans are the primary driver. The others are deposit Account Fees and Service Charges, wire Transfer Fees, debit Card Interchange and business Credit Cards.
Who are Granger National Bank's main competitors?
Direct peers on record are Extraco Banks, McClain Bank, Houston Business Bank, Broadway National Bank, First National Bank of Central Texas, Happy State Bank (FirstBank Texas) and Texas First Bank. Broad incumbents are Texas Capital Bank and Prosperity Bank. Independent Bank Group is listed as a regional player.
Does Granger National Bank have an API?
No public API is recorded for Granger National Bank.