GRAHAM SAVINGS AND LOAN, SSB

GRAHAM, TX | Small | Est. Nov. 27, 1934, midnight | FDIC #29206 | RSSD #839974 | FDIC
Latest Report: 2025-12-31

GRAHAM SAVINGS AND LOAN, SSB is asn small FDIC-insured commercial bank headquartered in GRAHAM, TX, established in Nov. 27, 1934, midnight. As of 2025-12-31, the bank reported total assets of $157M and total deposits of $133M. Profitability stands at 0.78% ROA and 7.21% ROE, with a net interest margin of 3.62%. The bank's CET1 capital ratio is 19.91%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.43% and a Texas Ratio of 2.44%. FDIC Certificate #29206.

Assets

$157M

Deposits

$133M

Loans

$108M

Equity

$17M

Profitability

Return on Assets (ROA) 0.78%
Return on Equity (ROE) 7.21%
Net Interest Margin (NIM) 3.62%
Yield on Assets 6.14%
Cost of Funds 2.61%

Asset Quality

NPL Ratio 0.43%
Net Charge-Off Ratio 0.09%
Texas Ratio 2.44%
NPA Ratio 0.29%
ACL / Loans 1.47%

Capital & Liquidity

CET1 Ratio 19.91%
Tier 1 Capital 19.91%
Total Capital Ratio 21.16%
Leverage Ratio 10.77%
Loan-to-Deposit 81.55%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required