Graham Savings and Loan, SSB: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 9.49 percentage points in Q2 2026, from 32.87% to 42.37%. It was the largest change from Q1 2026 among the key lines here. Graham Savings and Loan, SSB ranks 92nd of 346 Texas banks on loan-to-deposit ratio, in the upper half at 85.14% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Graham Savings and Loan, SSB sits 4.19 points higher, at 85.14% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $112.8M |
| Net loans and leases | $111.3M |
| Loans held for sale | $0 |
| Loans to total assets | 72.75% |
| Loan-to-deposit ratio | 85.14% |
| Net loans to equity capital | 6.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.56% |
| Multifamily (5+ residential) | 0.75% |
| Commercial and industrial | 1.63% |
| Consumer | 1.16% |
| Credit cards | 0.00% |
| Farm | 24.47% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 54.22% |
| Construction concentration (Tier 1 capital + allowance) | 42.37% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.19% |
| Interest income on loans | $2.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $122.8M | $128.7M | 6.22% | 3.63% | 0.86% |
| Q4 2023 | $121.9M | $129.5M | 6.68% | 3.82% | 1.29% |
| Q1 2024 | $121.8M | $128.9M | 6.58% | 3.70% | 1.21% |
| Q2 2024 | $120.4M | $133.0M | 7.56% | 2.73% | 1.60% |
| Q3 2024 | $117.7M | $132.5M | 7.39% | 2.65% | 1.22% |
| Q4 2024 | $116.8M | $129.6M | 7.29% | 2.71% | 1.28% |
| Q1 2025 | $114.2M | $128.3M | 7.35% | 2.49% | 1.53% |
| Q2 2025 | $114.4M | $129.5M | 7.30% | 2.35% | 1.45% |
| Q3 2025 | $109.8M | $133.5M | 5.10% | 1.94% | 1.35% |
| Q4 2025 | $108.1M | $132.5M | 5.41% | 1.60% | 1.47% |
| Q1 2026 | $107.9M | $132.4M | 4.87% | 1.57% | 1.41% |
| Q2 2026 | $112.8M | $132.5M | 4.56% | 1.63% | 1.16% |
Graham Savings and Loan, SSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Graham Savings and Loan, SSB, freeSource: Call Report Schedule RC-C, 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)