Graham Savings and Loan, SSB
Graham, TX
IDRSSD: 839974
Total Assets
$160.10M
Latest filing
Total Deposits
$133.53M
Latest filing
Net Interest Margin
3.56%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Graham Savings and Loan, SSB
745 Elm St
Graham, TX 76450
Full Service - Brick and Mortar
Updated 11/14/2025Established 11/27/1934FDIC Certificate 42040
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Graham Savings and Loan, SSB (Main) | 745 Elm St | Graham, TX |
| BRECKENRIDGE BRANCH | 1116 W Walker St | Breckenridge, TX |
| POSSUM KINGDOM BRANCH | 1301 Park Road 36 | Graford, TX |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 11/27/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76450 |
| State and County Number | 48503 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 34 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.grahamsl.com |
| Data Updated | 11/14/2025 |
| CERT | 29206 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $160.10M |
| Total Deposits | $133.53M |
| Total Liabilities | $143.07M |
| Total Equity Capital | $17.03M |
| Net Income | $359.00k |
| Net Loans and Leases | $108.18M |
| Assets Per Employee ($Millions) | $4.85M |
| Bank Premises and Fixed Assets | $775.00k |
| Cash and Balances due from Depository Institutions | $23.53M |
| Deposits Held in Domestic Offices | $133.53M |
Key Performance Ratios
| Return on Assets (ROA) | 0.91% |
| Return on Equity (ROE) | 8.52% |
| Net Interest Margin | 3.56% |
| Efficiency Ratio | 79.49% |
| Tier 1 Risk-Based Capital Ratio | 19.601% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.638% |
| Earning Assets to total Assets | 96.6% |
Income and Expense
| Total Interest Income | $2.31M |
| Total Noninterest Income | $168.00k |
| Total Interest Expense | $950.00k |
| Total Noninterest Expense | $1.21M |
| Net Interest Income | $1.36M |
| Pre-tax Net Operating Income | $359.00k |
| Provision for Credit Losses | $-46,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $137.00k |
| Other borrowed funds | $9.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $531.00k |
| Total Liabilities and Capital | $160.10M |
Securities
| Securities | $25.05M |
| Available-for-sale debt securities | $8.08M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $16.97M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Graham Savings and Loan, SSB?
$160.10M as of the latest filing.
How much are Graham Savings and Loan, SSB's total deposits?
$133.53M in total deposits.
Where is Graham Savings and Loan, SSB located?
Graham, TX.
What is the Net Interest Margin?
3.56%.
How many domestic offices does it operate?
3.
When was it established?
11/27/1934.
What is the Return on Assets (ROA)?
0.91%.
How much are total loans and leases?
$108.18M (latest filing).
What is the total interest income (latest filing)?
$2.31M.