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Graham Savings and Loan, SSB

$100M-$1B Specialty: Mortgage TX FDIC cert 29206

Graham, TX

3 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +2.3% year over year ($132.5M on the books).
  • Delinquency rate 0.87%.
  • Return on assets 1.24%.
  • Efficiency ratio 72.42% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.99% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Graham Savings and Loan, SSB faces 4 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 28.3% in tier
  • - Flatlined Growth: Bottom 45.0% in tier
  • - ROA 0.08% below tier average
  • - Efficiency Ratio 7.94% above tier average
Get updates when Graham Savings and Loan, SSB releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $155.1M
-0.4% YoY -0.9% QoQ
-$231.5M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
16%
Total Loans ? $111.3M
-1.1% YoY +4.6% QoQ
-$147.0M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
22%
Total Deposits ? $132.5M
+2.3% YoY +0.1% QoQ
-$194.2M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
16%
Return on Assets ? 1.24%
+202.4% YoY +1.1% QoQ
-0.08% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
49%
Net Interest Margin ? 3.97%
+27.9% YoY +2.9% QoQ
-0.01% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
52%
Efficiency Ratio ? 72.42%
-17.2% YoY -3.0% QoQ
+7.94% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
25%
Delinquency Rate ? 0.87%
-38.6% YoY -2.3% QoQ
-0.05% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
32%
Loan-to-Deposit Ratio ? 83.99%
-3.4% YoY +4.5% QoQ
+6.03% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
40%
Non-Interest-Bearing Deposit Share ? 14.54%
+23.4% YoY +8.5% QoQ
-7.49% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
22%
Nonperforming Asset Ratio ? 0.62%
-39.1% YoY +3.2% QoQ
-0.05% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
33%
Tier 1 Capital Ratio ? 20.66%
+11.3% YoY +0.4% QoQ
+4.75% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 12.3% in tier
Non-Interest Income / Assets ? 0.21%
+1.9% YoY +120.7% QoQ
-0.35% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
54%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 14.5%
+2.8pp YoY
+1.1pp QoQ
 -7.6pp 22.1% 29.2% 22.2% 22%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 1.7%
-0.7pp YoY
+0.1pp QoQ
 -9.9pp 11.6% 14.8% 12.5% 5%
CRE 12.9%
-2.1pp YoY
+1.2pp QoQ
 -26.7pp 39.5% 48.4% 41.4% 8%
1-4 Family 60.8%
+2.3pp YoY
+0.8pp QoQ
 +28.2pp 32.6% 25.8% 31.3% 90%
Consumer 1.2%
-0.3pp YoY
-0.2pp QoQ
 -2.9pp 4.1% 4.7% 5.0% 33%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 20.7%
+2.1pp YoY
+0.1pp QoQ
 +1.8pp 18.8% 22.7% 19.7% 80%
Leverage Ratio 11.7%
+0.9pp YoY
+0.4pp QoQ
 -0.4pp 12.2% 12.6% 12.6% 62%
Total Capital Ratio 21.9%
+2.1pp YoY
+0.1pp QoQ
 +2.0pp 19.9% 23.8% 20.8% 80%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 33
-1 (-2.9%) YoY
0 QoQ
 -26 58 186 482 31%
Assets per Employee ($) $4.7M
+2.6% YoY
-0.9% QoQ
 -$2.8M $7.5M $10.1M $8.8M 11%
Branch Count 3
0 YoY
0 QoQ
 -2 4 12 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.3%
-0.4pp YoY
0.0pp QoQ
 -0.1pp 0.3% 0.3% 0.4% 72%
Nonaccrual 0.6%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 0.9% 1.0% 1.0% 58%
Allowance Coverage 1.57x
+42.2% YoY
-0.3% QoQ
 -22.58x 24.15x 18.82x 20.23x 40%
Net Charge-off Rate (YTD) 0.0%
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 41%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 10.9%
+7.1pp YoY
0.0pp QoQ
 -1.3pp 12.2% 13.2% 11.6% 42%
Cost of Funds (YTD) 2.1%
-0.4pp YoY
-0.1pp QoQ
 +0.4pp 1.7% 1.6% 1.7% 77%
Net Income ($, YTD) $967,000
+202.2% YoY
— QoQ
 -$1.6M $2.6M $15.9M $40.4M 26%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk
#211 of 742 • Bottom 28.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 20.66%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 83.99%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#239 of 529 • Bottom 45.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.24%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

327
Tier 1 Capital Ratio
capital
Value: 20.66%
Peer Median: 15.91%
#327 of 2643 Top 12.3% in $100M-$1B

Top Weaknesses (5 metrics)

2232
Total Assets
size
Value: $155.09M
Peer Median: $386.57M
#2232 of 2643 Bottom 15.6% in $100M-$1B
2219
Total Deposits
size
Value: $132.52M
Peer Median: $326.73M
#2219 of 2643 Bottom 16.1% in $100M-$1B
2054
Non-Interest-Bearing Deposit Share
funding
Value: 14.54%
Peer Median: 22.03%
#2054 of 2643 Bottom 22.3% in $100M-$1B
2050
Total Loans
size
Value: $111.30M
Peer Median: $258.35M
#2050 of 2643 Bottom 22.5% in $100M-$1B
1986
Efficiency Ratio
profitability
Value: 72.42%
Peer Median: 64.48%
#1986 of 2643 Bottom 24.9% in $100M-$1B
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