Vitals
  • Total Assets
    113.3M 8.8 %
  • Total Deposits
    101.6M 9.3 %
  • Total Net Loans
    99.4M 11.3 %
  • Net Income
    1.4M -8.2 %
  • Book Value
    11.5M 4.6 %
  • Book Value x2
    23.1M 4.6 %
  • Book Value x3
    34.6M 4.6 %
ROAA

1.71

ROAE

16.641

Efficiency Ratio

63.853

Net Interest Margin

4.272

Balance Sheet Highlights
Financial Highlights Graham National Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 113,344 218,251
Total Net Loans 99,434 124,899
Total Deposits 101,629 185,073
Total Equity 11,534 23,355
Profitability
Net Income 1,386 1,531
Return on Average Assets 1.71 .924
Return on Average Equity 16.641 8.777
Net Interest Margin 4.272 4.128
Efficiency Ratio 63.853 71.344
Noninterest Income/Revenue 18.145 13.902
Balance Sheet Ratios
Loan-to-Deposit 97.84 64.766
Securities/Assets .21
Total Equity/Total Assets .102 .107
Tangible Equity/Tangible Assets .102 .103
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 11,534 20,992
Tier 2 Capital 893 1,589
Total Capital 12,427 22,586
Total Risk Weighted Assets 103,134 137,325
Leverage Ratio 10.24 10.152
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 11.18 17.236
Total Capital Ratio 12.05 18.346

Timeline for Graham National Bank

Interbank

Graham National Bank was acquired by Interbank 13 years

View Profile Dec 31 2010

Obs Loan Management Company, Llc

Obs Loan Management Company, Llc became a new subsidiary organization for Graham National Bank.

View Profile Jul 25 2008

Graham National Agricultural Credit Corporation

Graham National Agricultural Credit Corporation became a new subsidiary organization for Graham National Bank.

View Profile Jun 03 1999

Graham National Bank

Graham National Bank was established 30 years ago and is currently headquartered in Graham, TX.

Jan 03 1994

Olney Bancorp Of Delaware, Inc.

Olney Bancorp Of Delaware, Inc. became a new parent organization for Graham National Bank.

View Profile Jan 03 1994
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Interbank Buyer 2,889,348 Pooling of Interests Discontinued 12/31/2010
Relationships Role Relationship Start Relationship End
Olney Bancorp Of Delaware, Inc. Parent 11/27/1996 12/30/2010
Olney Bancorp Of Delaware, Inc. Parent 11/5/1994 11/26/1996
Olney Bancorp Of Delaware, Inc. Parent 1/3/1994 11/4/1994
Graham National Agricultural Credit Corporation Subsidary 6/30/2007 12/30/2010
Obs Loan Management Company, Llc Subsidary 7/25/2008 12/30/2010
Graham National Agricultural Credit Corporation Subsidary 6/3/1999 6/29/2007
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