Side-by-side · Q2 2026 data
First State Bank vs Graham Savings and Loan, SSB
Metric by metric
| Measure | First State Bank | Graham Savings and Loan, SSB |
|---|---|---|
| TellerScore | 81 (stronger) | 72 |
| Capital cushion | 51 | 67 (stronger) |
| Loan quality | 100 (stronger) | 71 |
| Earnings | 81 (stronger) | 70 |
| Funding & liquidity | 97 (stronger) | 76 |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 80th | 50th |
| Total assets | $308.8M | $155.1M |
| Deposits / shares | $275.9M | $132.5M |
| Capital ratio | 10.08% | 11.73% (stronger) |
| Problem loans | 0.00% (stronger) | 0.86% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.52% (stronger) | 1.24% |
| Loans ÷ deposits | 60.5% (stronger) | 84.0% |
| Uninsured deposits | 17.9% | 6.6% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (81 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and Graham Savings and Loan, SSB on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Graham, TX