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
Unfavorable gap of $4.2M · efficiency ratio beats 28% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 0.87% | 1.20% | 1.65% | Beats 33% | 141 / 211 | | |
| Return on Equity | 8.40% | 7.52% | 11.67% | 14.58% | Beats 31% | 145 / 211 | | |
| Net Interest Margin | 3.87% | 3.28% | 3.82% | 4.31% | Beats 52% | 102 / 211 | | |
| Efficiency Ratio | 72.42% | 53.01% | 64.18% | 73.65% | Beats 28% | 152 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.86% | 0.01% | 0.30% | 1.10% | Beats 30% | 146 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 68% | 67 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 20.66% | 11.72% | 14.45% | 19.57% | Beats 79% | 44 / 211 | | |
| Total Risk-Based Capital Ratio | 21.91% | 11.94% | 14.78% | 20.30% | Beats 80% | 43 / 211 | | |
| Equity / Assets | 11.66% | 9.41% | 11.06% | 12.94% | Beats 56% | 93 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.14% | 45.39% | 66.56% | 82.03% | 80th pctl | 41 / 208 | | |
| Loans / Assets | 72.75% | 39.13% | 56.90% | 70.46% | 81st pctl | 40 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |