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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