Graham Savings and Loan, SSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Graham Savings and Loan, SSB of Graham, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.26% | 1.34% | -0.08% | 49th below |
| ROAE | 10.88% | 13.31% | -2.43% | 41st below |
| Net Interest Margin | 4.10% | 3.93% | +0.17% | 59th above |
| Efficiency Ratio | 69.97% | 61.14% | +8.83% | 28th below |
| PPNR / Avg Assets | 1.32% | 1.68% | -0.36% | 35th below |
| Yield on Earning Assets | 6.17% | 5.67% | +0.50% | 76th top |
| Cost of Funds | 2.29% | 1.88% | +0.41% | 22nd bottom |
| Net Interest Spread | 3.55% | 3.32% | +0.23% | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.60% | 0.94% | -0.34% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.44% | 0.70% | -0.26% | 42nd below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.35% | 1.28% | +0.07% | 67th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 225.30% | 1538.89% | -1313.59% | 52nd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.93% | 7.33% | -2.40% | 42nd below |
| Provision / NCO | -1675.00% | 1396.19% | -3071.19% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.66% | 19.50% | +1.16% | 79th top |
| Tier 1 Ratio | 20.66% | 19.54% | +1.12% | 79th top |
| Total Capital Ratio | 21.91% | 20.62% | +1.29% | 80th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.73% | 12.14% | -0.41% | 62nd above |
| Equity / Assets | 11.66% | 11.37% | +0.29% | 68th above |
| TCE / Tangible Assets | 11.66% | 11.09% | +0.57% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.14% | 80.64% | +4.50% | 40th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.33% | 86.86% | +1.47% | 45th below |
| Wholesale Funding Ratio | 2.58% | 5.03% | -2.45% | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.38% | 6.85% | -7.23% | 17th bottom |
| Loan Growth (Y/Y) | -1.33% | 7.90% | -9.23% | 18th bottom |
| Deposit Growth (Y/Y) | 2.34% | 6.29% | -3.95% | 37th below |
See Graham Savings and Loan, SSB's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Graham Savings and Loan, SSB, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Graham Savings and Loan, SSB profile, how to read a UBPR, or how this data updates.