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Graham Savings And Loan, SSB
Graham, TX · FDIC Certificate #29206 · Chartered 11/2
Total assets
$155.09M
Total deposits
$132.52M
Total equity
$18.08M
Net loans
$111.30M
Branches (offices)
3
Net income (YTD)
$967.00K
Rank: #3,268 of 4,213 U.S. banks by assets · #277 of 346 in Texas. Assets changed -0.4% and deposits 2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.24% |
| Return on equity | 10.93% |
| Net interest margin (YTD) | 3.97% |
| Equity to assets | 11.66% |
| Tier 1 leverage ratio | 11.73% |
| Uninsured deposits (share of deposits) | 6.6% |
| Noncurrent loans (share of loans) | 0.86% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 84.0% |
| Real estate loans (share of loans) | 98.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $109.64M | 98.5% | |
| Commercial & industrial | $1.84M | 1.7% | |
| Consumer / individual | $1.31M | 1.2% | |
| Construction & development | $8.35M | 7.5% | |
| Agricultural | $34.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $151.74M | $123.04M | $697.00K | $16.48M |
| Jun 2023 | $160.98M | $131.15M | $471.00K | $16.72M |
| Jun 2024 | $161.55M | $132.99M | $143.00K | $16.27M |
| Jun 2025 | $155.69M | $129.49M | $320.00K | $16.66M |
| Jun 2026 | $155.09M | $132.52M | $967.00K | $18.08M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $132.52M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $132.52M.
Similar-sized banks
Pnb Community Bank ($155.17M) · Security Bank Of The Ozarks ($155.06M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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