Graham Savings and Loan, SSB
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Data as of · sourced from FFIEC call reports. How we update
Graham Savings and Loan, SSB is an FDIC-insured savings bank headquartered in Graham, TX, established in 1934 (FDIC certificate 29206), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $155.1M, down 0.4% from Q2 2025, the 277th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 20.66% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29206
- Headquarters
- Graham, TX
- Established
- 1934
- Total assets, Q2 2026
- $155.1M
- Assets vs Q2 2025
- -0.4%
- CET1 ratio, Q2 2026
- 20.66%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 311971705
- Latest call report
- Q2 2026, FFIEC 051 · Graham Savings and Loan, SSB call report
- Holding company
- LEGEND BANCORP, INC.
- Asset rank in state
- 277th of 346 in Texas
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%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Graham Savings and Loan, SSB is the 277th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.9% to $155.1M, loans rose 4.6% and deposits rose 0.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 60.0% of total loans, ahead of farmland and other real estate loans at 24.5%. The FDIC Summary of Deposits lists 3 offices for it, in Graham, TX, Graford, TX and Breckenridge, TX; its Graham office books 68% of its branch deposits. Judged on its Q2 2026 call report, Graham Savings and Loan, SSB meets every capital ratio test for well capitalized.
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
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 27, 1934
- Former names
- Graham Savings and Loan Association, F.A. (1990-2011)
- Domestic offices
- 3 FDIC institution directory, current count
- 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 →
- Parent Holding Company
- LEGEND BANCORP, INC. (RSSD 1416578)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Graham Savings and Loan, SSB's total assets ran between $155.1M (Q2 2026) and $161.5M (Q2 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$155.1M total assets against $155.7M; $137.0M total liabilities against $139.0M.
$111.3M net loans and leases against $112.6M; $132.5M total deposits against $129.5M.
$26.9M securities against $22.8M; $14.7M cash and balances due against $17.0M.
$2.3M total interest income against $2.2M; $779K total interest expense against $933K.
$1.5M net interest income against $1.2M.
$178K total noninterest income against $164K; $1.2M total noninterest expense against $1.2M.
$23K provision for credit losses against $34K.
$487K net income against $168K.
1.26% return on assets against 0.43%; 4.10% net interest margin against 3.20%.
20.66% CET1 capital ratio against 18.56%; 11.73% tier 1 leverage ratio against 10.79%.
Inside the full Graham Savings and Loan, SSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGraham Savings and Loan, SSB rankings
Its closest position to the top of a national ranking is 301 of 2,134, for CET1 ratio; its furthest is 3,255 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.06% (Q3 2024) to 1.26% (Q2 2026) and its net interest margin ran from 2.75% (Q3 2024) to 4.10% (Q2 2026).
| 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
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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 |
Regulatory record
Facts as filed or published, not a rating.
- 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 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 Q2 2026 filing, Graham Savings and Loan, SSB reported total assets of $155.1 million in its FFIEC call report.
Where is Graham Savings and Loan, SSB headquartered?
It is headquartered in Graham, TX, United States.
When was Graham Savings and Loan, SSB founded?
It was established in 1934, per the FDIC institution directory.
Is Graham Savings and Loan, SSB FDIC-insured?
Yes. It 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.
What is Graham Savings and Loan, SSB's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 4.93% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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.
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