Graham Savings and Loan, SSB: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to average assets rose 0.35 percentage points from Q1 2026 to Q2 2026, ending at 11.66% against 11.31%. It was the largest change among the key lines on this page. Within Texas, Graham Savings and Loan, SSB is 54th of 184 on CET1 ratio, 20.66% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Graham Savings and Loan, SSB sits 5.59 points higher, at 20.66% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.66% |
| Tier 1 risk-based capital ratio | 20.66% |
| Total risk-based capital ratio | 21.91% |
| Tier 1 leverage ratio | 11.73% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $18.2M |
| Tier 1 capital | $18.2M |
| Total risk-based capital | $19.3M |
| Total equity capital | $18.1M |
| Risk-weighted assets | $88.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.66% |
| Tangible equity to tangible assets | 11.66% |
| Equity capital to average assets | 11.66% |
| Internal capital growth rate | 10.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $254K |
| Common stock surplus | $1.9M |
| Retained earnings | $16.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$111K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 16.81% | 16.81% | 18.07% | 10.17% | $95.9M |
| Q4 2023 | 16.83% | 16.83% | 18.09% | 10.16% | $96.0M |
| Q1 2024 | 17.03% | 17.03% | 18.29% | 10.41% | $95.1M |
| Q2 2024 | 17.34% | 17.34% | 18.60% | 10.18% | $94.0M |
| Q3 2024 | 17.63% | 17.63% | 18.89% | 10.15% | $92.6M |
| Q4 2024 | 17.65% | 17.65% | 18.91% | 10.34% | $93.3M |
| Q1 2025 | 18.30% | 18.30% | 19.56% | 10.65% | $90.9M |
| Q2 2025 | 18.56% | 18.56% | 19.82% | 10.79% | $90.1M |
| Q3 2025 | 19.60% | 19.60% | 20.86% | 10.71% | $86.6M |
| Q4 2025 | 19.91% | 19.91% | 21.16% | 10.77% | $86.5M |
| Q1 2026 | 20.58% | 20.58% | 21.84% | 11.29% | $86.0M |
| Q2 2026 | 20.66% | 20.66% | 21.91% | 11.73% | $88.1M |
Graham Savings and Loan, SSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Graham Savings and Loan, SSB, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Graham Savings and Loan, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29206) · FFIEC NIC profile (RSSD 839974)