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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

5.34%Q2 ’245.55%Q2 ’255.98%Q2 ’26+11%+26%

Non-interest income vs. expense

2.98%Q2 ’243.05%Q2 ’253.12%Q2 ’26+2%+1%

Executive Summary

  • Earnings: ROA of 0.98%, up 64 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.86% of loans (-54 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

0.98%+64 bps YoY

Net Interest Margin (quarter, annualized)

3.97%+83 bps YoY

Efficiency Ratio (quarter, annualized)

70.31%-1,508 bps YoY

Tier 1 Leverage Ratio

11.73%+94 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.34%0.71%0.61%0.96%0.98%+64 bps
Return on Equity3.18%6.70%5.69%8.62%8.54%+537 bps
Net Interest Margin3.15%3.43%3.30%3.74%3.97%+83 bps
Efficiency Ratio85.39%79.49%81.63%74.66%70.31%-1,508 bps
Non-Interest Burden2.62%2.64%2.62%2.69%2.66%+3 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%0.35%0.00%0.01%0.00%0 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