GRAHAM SAVINGS AND LOAN, SSB
GRAHAM SAVINGS AND LOAN, SSB is an FDIC-insured commercial bank headquartered in GRAHAM, TX, established in 1934. As of , 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 3.38%. CET1 capital ratio: 19.91%, well above regulatory minimums. NPL ratio: 0.43% · Texas Ratio: 2.44%. Operates 3 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Graham Savings and Loan, Ssb rankings
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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 |
|---|---|---|---|---|---|
| 2025-12-31 | 19.91% | 0.78% | 0.43% | 2.44% | 3.38% |
| 2025-09-30 | 19.60% | 0.91% | 0.23% | 2.07% | 3.54% |
| 2025-06-30 | 18.56% | 0.43% | 0.75% | 4.67% | 3.20% |
| 2025-03-31 | 18.30% | 0.39% | 0.52% | 3.24% | 2.93% |
| 2024-12-31 | 17.65% | 0.37% | 0.65% | 4.22% | 2.87% |
| 2024-09-30 | 17.63% | 0.06% | 0.46% | 2.95% | 2.74% |
| 2024-06-30 | 17.34% | 0.26% | 0.13% | 0.89% | 2.89% |
| 2024-03-31 | 17.03% | 0.10% | 0.14% | 0.92% | 2.94% |
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Frequently asked about GRAHAM SAVINGS AND LOAN, SSB
What are Graham Savings and Loan, Ssb's total assets?
As of the Q4 2025 filing, Graham Savings and Loan, Ssb reported total assets of $157.1 million in its most recent 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 required of all FDIC-insured commercial banks.
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 commercial 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 19.91% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Graham Savings and Loan, Ssb operate?
Graham Savings and Loan, Ssb operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Graham Savings and Loan, Ssb's Texas Ratio?
Graham Savings and Loan, Ssb's Texas Ratio is 2.44% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.