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Graham Savings and Loan, SSB

Graham, TX · Cert 29206 · Graham Savings Financial Corp.

SI · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

72

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

20

Q2 2024Q2 2026peer median

Efficiency

28

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Graham Savings and Loan, SSB

Graham, TX · Cert 29206 · Graham Savings Financial Corp.

SI · FDIC · 3 branches

Q2 2026

$155.1MAssets
$112.8MLoans
$132.5MDeposits
$18.1MEquity
Loan mix
97%RE $104.7M2%C&I $1.7M1%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $113.3M15%Noninterest $19.3MQ2 2025Q2 2026

NIM

5.24%Q2 ’245.48%Q2 ’255.95%Q2 ’26+8%+28%

Non-interest income vs. expense

2.99%Q2 ’243.01%Q2 ’253.11%Q2 ’26-1%+4%

Executive Summary

  • Earnings: ROA of 0.97%, up 65 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.86% of loans (-54 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.73%, up 94 bps from a year ago.
  • Funding: loans stand at 85.14% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.97%+65 bps YoY

Net Interest Margin (YTD, annualized)

3.87%+85 bps YoY

Efficiency Ratio (YTD, annualized)

72.42%-1,508 bps YoY

Tier 1 Leverage Ratio

11.73%+94 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.45%0.50%0.96%0.97%+65 bps
Return on Equity3.04%4.27%4.64%8.62%8.58%+554 bps
Net Interest Margin3.02%3.11%3.14%3.74%3.87%+85 bps
Efficiency Ratio87.50%84.58%83.81%74.66%72.42%-1,508 bps
Non-Interest Burden2.59%2.57%2.56%2.69%2.69%+10 bps
Growth
Asset Growth (YoY)-3.63%-0.69%-0.17%0.31%-0.38%+325 bps
Loan Growth (YoY)-5.00%-6.72%-7.52%-5.55%-1.33%+367 bps
Deposit Growth (YoY)-2.63%0.76%2.28%3.20%2.34%+497 bps
Asset Quality
Nonperforming Loans / Loans1.39%0.30%0.67%0.88%0.86%-54 bps
Net Charge-Offs / Loans0.00%0.12%0.09%0.01%0.01%+1 bps
Allowance / Loans1.54%1.48%1.47%1.39%1.35%-19 bps
Allowance Coverage of NPLs1.1x4.9x2.2x1.6x1.6x+0.5x
Capital
Tier 1 Leverage Ratio10.79%10.71%10.77%11.29%11.73%+94 bps
Total Risk-Based Capital19.82%20.86%21.16%21.84%21.91%+210 bps
Equity / Assets10.70%10.64%10.99%11.32%11.66%+96 bps
Liquidity & Funding
Loans / Deposits88.31%82.23%81.55%81.52%85.14%-317 bps
Liquid Assets / Assets20.79%23.98%22.18%22.98%17.94%-285 bps
CRE / Total Capitaln/a84.40%81.86%70.16%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Graham Savings and Loan, SSB

Graham, TX · Cert 29206 · Peer group: banks under $1B in assets in TX (n=208-211) · Graham Savings Financial Corp.

SI · FDIC · 3 branches

Q2 2026

$155.1MAssets
$112.8MLoans
$132.5MDeposits
$18.1MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 80% of banks under $1B in assets in TX (rank 43 of 211).
  • Widest gap: efficiency ratio trails 72% of banks under $1B in assets in TX (rank 152 of 211).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.98%

Rank 141 of 211

Net Interest Margin

3.87%

Rank 102 of 211

Efficiency Ratio

72.42%

Rank 152 of 211

Equity / Assets

11.66%

Rank 93 of 211

Non-interest income vs. expense

$0.7M$4.8MINCOMEEXPENSE
Unfavorable gap of $4.2M · efficiency ratio beats 28% of banks under $1B in assets in TX
Bank 72.42%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.98%0.87%1.20%1.65%Beats 33%141 / 211
Return on Equity8.40%7.52%11.67%14.58%Beats 31%145 / 211
Net Interest Margin3.87%3.28%3.82%4.31%Beats 52%102 / 211
Efficiency Ratio72.42%53.01%64.18%73.65%Beats 28%152 / 211
Asset Quality
Nonperforming Loans / Loans0.86%0.01%0.30%1.10%Beats 30%146 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 68%67 / 208
Capital
Tier 1 Capital Ratio20.66%11.72%14.45%19.57%Beats 79%44 / 211
Total Risk-Based Capital Ratio21.91%11.94%14.78%20.30%Beats 80%43 / 211
Equity / Assets11.66%9.41%11.06%12.94%Beats 56%93 / 211
Liquidity & Funding
Loans / Deposits85.14%45.39%66.56%82.03%80th pctl41 / 208
Loans / Assets72.75%39.13%56.90%70.46%81st pctl40 / 211
Brokered Deposits / Depositsn/aNot reported for this institution