Graham National Bank


455 Elm Street
Graham, TX 76450
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Graham National Bank is an FDIC insured institution located in Graham, TX. It was founded in 1994 and has approximately $0.11 billion in assets.

FDIC Insured Yes
FDIC Certificate # 33865
Date Established 1994
Assets $ 113.34 million
Loans $ 99.43 million
Deposits $ 101.63 million
Capital $ 11.53 million

For a more detailed analysis of Graham National Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 23, 2021

Your Current Location: California, CA 92111


Loan Rates - September 23, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for Graham National Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
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The Union Bank Company
NMLS ID: 433131
2.845% 2.750%
0.88 points
$3,144 fees
$1,021 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
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Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
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Note to Graham National Bank
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Graham National Bank Locations

Financial Details

Graham National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Graham National Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Graham National Bank U.S. Bank Average
40.26% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, Graham National Bank had $3,904,000 in non-current loans and $1,099,000 in owned real estate. To cover these potential losses it had $11,534,000 in equity and $893,000 in loans loss reserves. That gives it a Texas Ratio of 40.26%.

Return on Equity
Graham National Bank U.S. Bank Average
16.64% 11.43%

Graham National Bank has a Return on Equity of 16.64% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Graham National Bank U.S. Bank Average
10.18% 11.51%

Graham National Bank has a Capitalization of 10.18% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Graham National Bank Balance Sheet Analysis

As of November 30, -0001, Graham National Bank had assets of $113,344,000, loans of $99,434,000, and deposits of $101,629,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 99.43 million
Loan loss allowance $ 0.89 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.10 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 101.63 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 113.34 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Graham National Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Graham National Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Graham National Bank

Branches and Savings

Is Graham National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #33865.

Why does Graham National Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Graham National Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Graham National Bank a commercial bank?


Where are Graham National Bank locations?

See branch locations nearby.

Is Graham National Bank open on Saturdays?

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Are Graham National Bank ATMs Open 24/7?

Do Graham National Bank ATMs accept cash deposits?

Can Graham National Bank customers use other ATMs?

Do Graham National Bank branches have notaries?

Will Graham National Bank notarize my document?

What address for Graham National Bank should I put for incoming ACH transfers?

Will the Graham National Bank branch print checks?

Do Graham National Bank checks expire?

Does Graham National Bank require US citizenship to open account?

Can Graham National Bank close my account?

Does Graham National Bank Report to credit bureaus?

Does Graham National Bank Use Equifax?

What is Graham National Bank's ACH Routing Number?

What is Graham National Bank's SWIFT code?


Does Graham National Bank offer mortgages?

Compare mortgage rates here.

Does Graham National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Graham National Bank offer personal loans?

Compare personal loan rates here.

Does Graham National Bank offer student loans?

Will Graham National Bank cash a check?

Will Graham National Bank redeem a savings bond?

Does Graham National Bank cash savings bonds?

Will Graham National Bank cash money orders?

Can Graham National Bank issue a money order?

Does Graham National Bank do currency exchange?

Background on The Bank

Who owns Graham National Bank?

How long has Graham National Bank been around?

Can Graham National Bank transfer to other banks?

Does Graham National Bank have quick pay?

Does Graham National Bank accept rolled coins?

Will Graham National Bank accept loose change?

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