BlastPoint's Banking Scorecard

Graham Savings and Loan, SSB

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

Graham, TX

3 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in 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 31.7% in tier
- Credit Quality Pressure: Bottom 49.7% in tier
- Net Interest Margin 0.07% below tier average
- Efficiency Ratio 9.37% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$156.5M +0.3% YoY -0.4% QoQ	-$229.6M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	16%
Total Loans ?	$106.4M -5.4% YoY -0.1% QoQ	-$149.3M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	22%
Total Deposits ?	$132.4M +3.2% YoY -0.1% QoQ	-$195.6M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	16%
Return on Assets ?	1.22% +215.6% YoY +94.9% QoQ	-0.04%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	51%
Net Interest Margin ?	3.86% +30.0% YoY +16.6% QoQ	-0.07%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	50%
Efficiency Ratio ?	74.66% -16.8% YoY -10.9% QoQ	+9.37%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	23%
Delinquency Rate ?	0.89% +46.4% YoY +31.1% QoQ	+0.00%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	31%
Loan-to-Deposit Ratio ?	80.39% -8.4% YoY +0.1% QoQ	+3.75%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	46%
Non-Interest-Bearing Deposit Share ?	13.40% +19.0% YoY +9.5% QoQ	-8.62%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	19%
Nonperforming Asset Ratio ?	0.60% +38.1% YoY +31.5% QoQ	-0.03%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	33%
Tier 1 Capital Ratio ?	20.58% +12.4% YoY +3.4% QoQ	+4.75%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 12.1% in tier
Non-Interest Income / Assets ?	0.10% -6.0% YoY -76.9% QoQ	-0.18%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	49%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#235 of 739 • Bottom 31.7% 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: 20.58%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 80.39%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#651 of 1308 • Bottom 49.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.89%

(Tier: 0.89%, National: 0.95%)

worse than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

323

Tier 1 Capital Ratio

capital

Value: 20.58%

Peer Median: 15.83%

#323 of 2664 Top 12.1% in $100M-$1B

Top Weaknesses (5 metrics)

2236

Total Deposits

size

Value: $132.36M

Peer Median: $327.97M

#2236 of 2664 Bottom 16.1% in $100M-$1B

2229

Total Assets

size

Value: $156.52M

Peer Median: $386.08M

#2229 of 2664 Bottom 16.4% in $100M-$1B

2168

Non-Interest-Bearing Deposit Share

funding

Value: 13.40%

Peer Median: 22.02%

#2168 of 2664 Bottom 18.7% in $100M-$1B

2091

Total Loans

size

Value: $106.40M

Peer Median: $255.72M

#2091 of 2664 Bottom 21.5% in $100M-$1B

2056

Efficiency Ratio

profitability

Value: 74.66%

Peer Median: 65.29%

#2056 of 2664 Bottom 22.9% in $100M-$1B