Graham Savings and Loan, SSB: how it compares with its peers
Against 118 TX banks with half to twice its assets, Graham Savings and Loan, SSB's strongest measure in Q2 2026 is net interest margin (3.97% vs. a 4.15% peer median). Its weakest relative measure is assets per employee ($4.7M vs. $6.4M).
| Measure | Graham Savings and Loan, SSB | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.24% | 1.45% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.97% | 4.15% | Middle third Ahead of 42% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.42% | 63.90% | Bottom third Ahead of 25% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.7M | $6.4M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.99% | 62.67% | Context |
What it means for lending operations
Its efficiency ratio of 72.42% is above the 63.90% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First National Bank of Tom Bean Tom Bean, TX · $156M
- First National Bank of Fort Stockton Fort Stockton, TX · $153M
- The First National Bank of Winnsboro Winnsboro, TX · $158M
- Agility Bank, National Association Houston, TX · $152M
- Fannin Bank Bonham, TX · $159M
Questions about Graham Savings and Loan, SSB
How big is Graham Savings and Loan, SSB?
Graham Savings and Loan, SSB, established in 1934, is headquartered in Graham, TX. It reported $155M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Graham Savings and Loan, SSB's return on assets?
1.24% annualized in Q2 2026, against a 1.45% median for 118 TX banks with half to twice its assets, ahead of 36% of them.
What is Graham Savings and Loan, SSB's efficiency ratio?
72.42% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 63.90%, and lower is better.
Is Graham Savings and Loan, SSB growing its loans?
Net loans shrank 1.1% over the year to Q2 2026, while deposits grew 2.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.