Graham Savings&Loan SSB (FDIC #29206): Bank Stress & Real-Estate Credit Exposure
Graham Savings&Loan SSB (FDIC Cert #29206): bank stress 60/100, elevated, STABLE over 7 days; parent GRAHAM SAVINGS FINANCIAL CORP.
Graham Savings&Loan SSB (#29206) lends in 3 counties across 1 state; Graham Savings&Loan SSB (#29206) reaches 21 ZIP codes: Texas 3 counties, 21 ZIPs.
Graham Savings&Loan SSB (#29206) largest markets: Palo Pinto County, TX (12 branches, 12 ZIPs) (#29206), Stephens County, TX (8 branches, 8 ZIPs) (#29206), Young County, TX (6 branches, 6 ZIPs) (#29206).
Graham Savings&Loan SSB (#29206) reports $155.1 million in total assets; Graham Savings&Loan SSB (#29206) equity $18.1 million (11.7% of Graham Savings&Loan SSB (#29206) assets); Graham Savings&Loan SSB (#29206) domestic deposits $132.5 million; Graham Savings&Loan SSB (#29206) net income $967,000; Graham Savings&Loan SSB (#29206) return on assets 1.24%; Graham Savings&Loan SSB (#29206) return on equity 10.93%; Graham Savings&Loan SSB (#29206) net interest income $3.0 million; Graham Savings&Loan SSB (#29206) call report June 30, 2026.
Graham Savings&Loan SSB (#29206) noncurrent real-estate loans: none reported; Graham Savings&Loan SSB (#29206) net charge-offs on real estate 0.76%; Graham Savings&Loan SSB (#29206) residential charge-offs 0.82%.
Graham Savings&Loan SSB (#29206) net interest margin 3.97% against an eight-quarter Graham Savings&Loan SSB (#29206) average of 3.28% (Graham Savings&Loan SSB (#29206) compression -0.69 points); Graham Savings&Loan SSB (#29206) non-residential real estate 81.7% of equity; Graham Savings&Loan SSB (#29206) rate-exposure score 40/100, Graham Savings&Loan SSB (#29206) fixed-rate trap 40/100; Graham Savings&Loan SSB (#29206) risk type credit driven; Graham Savings&Loan SSB (#29206) rate regime rates elevated, Graham Savings&Loan SSB (#29206) snapshot October 20, 2026.
Graham Savings&Loan SSB (#29206) stress score held at 59.9 across 117 daily snapshots, June 22, 2026 to October 20, 2026.
Graham Savings&Loan SSB (#29206) alerts: 3 counties; top Graham Savings&Loan SSB (#29206) alert scores: Breckenridge County, TX 19 (low); Graford County, TX 19 (low); Graham County, TX 19 (low).