Graham Savings and Loan, SSB (FDIC certificate #29206) is based in Graham, Texas. Its Q2 2026 call report shows $155.1M in total assets and $132.5M in deposits and 3 offices.
Graham Savings and Loan, SSB has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 50% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 207th. Problem-loan coverage contributes the most (90/100, 4.9%); capital cushion contributes the least (67/100, 11.73%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 15 points (57 → 72), mostly because the earnings component improved by 34 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 59 |
| Q4 2024 | 58 |
| Q1 2025 | 64 |
| Q2 2025 | 57 |
| Q3 2025 | 70 |
| Q4 2025 | 67 |
| Q1 2026 | 71 |
| Q2 2026 | 72 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.18% |
| Q3 2024 | 10.15% |
| Q4 2024 | 10.34% |
| Q1 2025 | 10.65% |
| Q2 2025 | 10.79% |
| Q3 2025 | 10.71% |
| Q4 2025 | 10.77% |
| Q1 2026 | 11.29% |
| Q2 2026 | 11.73% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.24% |
| Q3 2024 | 0.85% |
| Q4 2024 | 0.95% |
| Q1 2025 | 0.60% |
| Q2 2025 | 1.39% |
| Q3 2025 | 0.30% |
| Q4 2025 | 0.67% |
| Q1 2026 | 0.88% |
| Q2 2026 | 0.86% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.18% |
| Q3 2024 | 0.14% |
| Q4 2024 | 0.20% |
| Q1 2025 | 0.39% |
| Q2 2025 | 0.41% |
| Q3 2025 | 0.58% |
| Q4 2025 | 0.63% |
| Q1 2026 | 1.22% |
| Q2 2026 | 1.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $155.1M | 11.73% | 0.86% | 1.24% | 84.0% |
| Q1 2026 | 71 | $156.5M | 11.29% | 0.88% | 1.22% | 80.4% |
| Q4 2025 | 67 | $157.1M | 10.77% | 0.67% | 0.63% | 80.3% |
| Q3 2025 | 70 | $160.1M | 10.71% | 0.30% | 0.58% | 81.0% |
| Q2 2025 | 57 | $155.7M | 10.79% | 1.39% | 0.41% | 86.9% |
| Q1 2025 | 64 | $156.0M | 10.65% | 0.60% | 0.39% | 87.7% |
| Q4 2024 | 58 | $157.4M | 10.34% | 0.95% | 0.20% | 88.8% |
| Q3 2024 | 59 | $161.2M | 10.15% | 0.85% | 0.14% | 87.5% |
| Q2 2024 | 64 | $161.5M | 10.18% | 0.24% | 0.18% | 89.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of Tom BeanBank Tom Bean, TX | 67 out of 100, Moderate | $155.6M | 12.1% | 1.23% | vs |
| First National Bank of Fort StocktonBank Fort Stockton, TX | 77 out of 100, Strong | $153.5M | 12.2% | 0.02% | vs |
| The First National Bank of WinnsboroBank Winnsboro, TX | 86 out of 100, Very strong | $158.2M | 22.7% | 1.10% | vs |
| Agility Bank, National AssociationBank Houston, TX | 62 out of 100, Moderate | $151.6M | 20.0% | 1.18% | vs |
| Fannin BankBank Bonham, TX | 65 out of 100, Moderate | $159.1M | 8.6% | 1.04% | vs |
| First State BankBank Shallowater, TX | 84 out of 100, Strong | $150.8M | 15.9% | 0.23% | vs |
Deposit insurance
Is my money safe at Graham Savings and Loan, SSB?
Yes. Graham Savings and Loan, SSB is an FDIC-insured institution (FDIC certificate #29206). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 6.6% of deposits ($8.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.73%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.91% (benchmark: 10%).
3 locations
Branches
Graham Savings and Loan, SSB lists 3 offices in 3 cities. Most locations:
- Breckenridge, TX (1)
- Graford, TX (1)
- Graham, TX (1)
Identity & history
Profile
- Legal name
- Graham Savings and Loan, SSB
- Former names
- Graham Savings and Loan Association; Graham Savings and Loan Association, FA
- Type
- SI
- FDIC certificate #
- 29206
- RSSD ID
- 839974
- Primary regulator
- FDIC
- Holding company
- Graham Savings Financial Corp
- Established
- November 27, 1934
- Headquarters
- 745 Elm St, Graham, TX 76450
- Website
- www.grahamsl.com
- Employees
- 33
Quick answers
Graham Savings and Loan, SSB: common questions
Is Graham Savings and Loan, SSB FDIC insured?
Yes. Graham Savings and Loan, SSB is an FDIC-insured institution (FDIC certificate #29206). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Graham Savings and Loan, SSB's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Graham Savings and Loan, SSB ever failed?
There is no failure record for FDIC certificate #29206 in the FDIC failed bank list.
How many branches does Graham Savings and Loan, SSB have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Graham
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers and Merchants BankBank De Leon, TX | 85 out of 100, Very strong | $269.8M | 12.0% | 0.00% | vs |
| First State BankBank Graham, TX | 81 out of 100, Strong | $308.8M | 10.1% | 0.00% | vs |
| Community National Bank & Trust of TexasBank Corsicana, TX | 76 out of 100, Strong | $1.7B | 10.6% | 0.09% | vs |
| Ciera BankBank Graham, TX | 66 out of 100, Moderate | $992.9M | 11.1% | 1.22% | vs |
| First National Bank TexasBank Killeen, TX | 64 out of 100, Moderate | $4.6B | 9.1% | 1.23% | vs |
| InterBankBank Oklahoma City, OK | 62 out of 100, Moderate | $5.3B | 11.1% | 1.56% | vs |