Graham Savings and Loan, SSB: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loan-to-deposit ratio climbed 3.62 percentage points in Q2 2026, from 81.52% to 85.14%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Graham Savings and Loan, SSB is 92nd of 346 on loan-to-deposit ratio, 85.14% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Graham Savings and Loan, SSB sits 4.30 points higher, at 85.14% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $41.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.58% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.14% |
| Net loans and leases to deposits | 83.99% |
| Loans and leases to core deposits | 96.39% |
| Core deposits to total deposits | 88.33% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 95.38% | 90.16% | $0 | $12.4M |
| Q4 2023 | 94.13% | 89.95% | $0 | $11.7M |
| Q1 2024 | 94.46% | 89.65% | $0 | $11.7M |
| Q2 2024 | 90.51% | 89.96% | $0 | $11.7M |
| Q3 2024 | 88.83% | 89.46% | $0 | $11.7M |
| Q4 2024 | 90.19% | 88.75% | $0 | $11.1M |
| Q1 2025 | 89.07% | 88.71% | $100K | $10.6M |
| Q2 2025 | 88.31% | 88.16% | $0 | $9.0M |
| Q3 2025 | 82.23% | 87.54% | $0 | $9.0M |
| Q4 2025 | 81.55% | 87.21% | $0 | $7.0M |
| Q1 2026 | 81.52% | 87.63% | $0 | $6.0M |
| Q2 2026 | 85.14% | 88.33% | $0 | $4.0M |
Graham Savings and Loan, SSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Graham Savings and Loan, SSB, freeSource: Call Report Schedules RC and RC-M, 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)