Graham Savings and Loan, SSB: Financial Reports & UBPR Data
BankRegReports is independent of Graham Savings and Loan, SSB and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Graham Savings and Loan, SSB, based in Graham, Texas, reported $155 million in assets at June 30, 2026. It shrank its loan book 1.3% over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also holds common equity equal to 20.66% of its risk-weighted assets, higher than about three-quarters of banks its size (median 15.12%).
Earnings jumped: net income for the quarter was $487,000, 190% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.86% of loans, down from 1.39% a year earlier. Funding is the softer spot: it pays an average of 2.29% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Graham Savings and Loan, SSB reported a CET1 capital ratio of 20.66%, a return on assets of 1.26%, a nonperforming-loan ratio of 0.86% and a Texas ratio of 4.93%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 745 Elm St, Graham, TX 76450
- County
- Young
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- —
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 27, 1934
- Former names
- Graham Savings and Loan Association, F.A. (1990-2011)
- Offices
- 3 domestic
- Employees (FTE)
- 33
- Domestic deposits
- $132.5M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $155.1M
- Average total loans
- $109.2M
- Average interest-bearing deposits
- $113.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29206
- Fed RSSD
- 839974
- Website
- www.grahamsl.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Graham Savings and Loan, SSB terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Graham Savings and Loan, SSB, freeGraham Savings and Loan, SSB rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.66% | 1.26% | 0.86% | 4.93% | 4.10% |
| Q1 2026 | 20.58% | 1.22% | 0.88% | 4.92% | 3.82% |
| Q4 2025 | 19.91% | 0.77% | 0.67% | 3.83% | 3.35% |
| Q3 2025 | 19.60% | 0.91% | 0.30% | 2.52% | 3.53% |
| Q2 2025 | 18.56% | 0.43% | 1.39% | 8.65% | 3.20% |
| Q1 2025 | 18.30% | 0.39% | 0.60% | 3.72% | 2.94% |
| Q4 2024 | 17.65% | 0.37% | 0.95% | 6.13% | 2.86% |
| Q3 2024 | 17.63% | 0.06% | 0.85% | 5.53% | 2.75% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Graham Savings and Loan, SSB (main office) | Graham , TX | 76450 | $89.5M |
| Possum Kingdom Branch | Graford , TX | 76449 | $22.5M |
| Breckenridge Branch | Breckenridge , TX | 76424 | $20.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2026 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
What the public regulatory sources show for Graham Savings and Loan, SSB, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action October 28, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 338 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Graham Savings and Loan, SSB’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Graham Savings and Loan, SSB with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Graham Savings and Loan, SSB
What are Graham Savings and Loan, SSB's total assets?
As of the Q2 2026 filing, Graham Savings and Loan, SSB reported total assets of $155.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Graham Savings and Loan, SSB headquartered?
Graham Savings and Loan, SSB is headquartered in Graham, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings bank must.
When was Graham Savings and Loan, SSB founded?
Graham Savings and Loan, SSB was established in 1934, per the FDIC institution directory.
Is Graham Savings and Loan, SSB FDIC-insured?
Yes. Graham Savings and Loan, SSB is an FDIC-insured savings bank (FDIC Certificate #29206). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Graham Savings and Loan, SSB?
Graham Savings and Loan, SSB's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Graham Savings and Loan, SSB's CET1 capital ratio?
Graham Savings and Loan, SSB reported a Common Equity Tier 1 (CET1) capital ratio of 20.66% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Graham Savings and Loan, SSB operate?
Graham Savings and Loan, SSB operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Graham Savings and Loan, SSB's Texas Ratio?
Graham Savings and Loan, SSB's Texas Ratio is 4.93% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Graham Savings and Loan, SSB previously called?
The charter now named Graham Savings and Loan, SSB has also operated as Graham Savings and Loan Association, F.A. (1990-2011), per FDIC structure-change records.
Go deeper on Graham Savings and Loan, SSB.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Graham Savings and Loan, SSB, freeFree account