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Gilmer National Bank

Gilmer, TX · Cert 3219 · Gilmer National Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

41

Q2 2024Q2 2026peer median (50)

Asset Quality

5

Q2 2024Q2 2026peer median (50)

Profitability

22

Q2 2024Q2 2026peer median (50)

Liquidity

40

Q2 2024Q2 2026peer median

Efficiency

47

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Gilmer National Bank

Gilmer, TX · Cert 3219 · Gilmer National Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$374.5MAssets
$273.9MLoans
$340.4MDeposits
$32.8MEquity
Loan mix
78%RE $194.8M11%C&I $26.8M12%Consumer $29.3MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $298.8M12%Noninterest $41.5MQ2 2025Q2 2026

NIM

5.77%Q2 ’246.24%Q2 ’255.90%Q2 ’26+23%-4%

Non-interest income vs. expense

2.19%Q2 ’242.16%Q2 ’252.17%Q2 ’26-2%+1%

Market Position · Longview, TX · 2026 SOD (annual) · 4.2% share · #8 of 25 inst. · $0.3B of $8.0B

26.6% Upshur
0.7% Gregg

Executive Summary

  • Earnings: ROA of 0.68%, down 9 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 3.70% of loans (+125 bps YoY), with net charge-offs at 0.22%.
  • Capital: tier 1 leverage ratio of 9.69%, down 21 bps from a year ago.
  • Funding: loans stand at 80.46% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.12%-12 bps YoY

Efficiency Ratio (YTD, annualized)

64.74%+243 bps YoY

Tier 1 Leverage Ratio

9.69%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.76%0.77%0.73%0.68%-9 bps
Return on Equity9.12%8.86%8.93%8.32%7.79%-133 bps
Net Interest Margin3.23%3.13%3.14%3.22%3.12%-12 bps
Efficiency Ratio62.31%63.23%61.65%64.90%64.74%+243 bps
Non-Interest Burden1.92%1.89%1.84%2.01%1.93%+1 bps
Growth
Asset Growth (YoY)6.73%4.07%4.37%6.69%4.41%-231 bps
Loan Growth (YoY)11.55%10.64%9.16%6.51%5.18%-637 bps
Deposit Growth (YoY)7.59%3.97%3.71%6.62%4.33%-327 bps
Asset Quality
Nonperforming Loans / Loans2.45%2.82%2.86%4.74%3.70%+125 bps
Net Charge-Offs / Loans0.10%0.38%0.37%0.21%0.22%+12 bps
Allowance / Loans1.34%1.17%1.23%1.26%1.32%-2 bps
Allowance Coverage of NPLs0.5x0.4x0.4x0.3x0.4x-0.2x
Capital
Tier 1 Leverage Ratio9.89%9.77%9.58%9.68%9.69%-21 bps
Total Risk-Based Capital16.19%16.61%15.95%16.27%15.82%-37 bps
Equity / Assets8.61%8.78%8.81%8.68%8.75%+14 bps
Liquidity & Funding
Loans / Deposits79.81%80.38%81.38%80.50%80.46%+65 bps
Liquid Assets / Assets4.58%2.91%3.83%4.20%4.42%-16 bps
CRE / Total Capitaln/a277%272%271%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Gilmer National Bank

Gilmer, TX · Cert 3219 · Peer group: banks under $1B in assets in TX (n=208-211) · Gilmer National Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$374.5MAssets
$273.9MLoans
$340.4MDeposits
$32.8MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 56% of banks under $1B in assets in TX (rank 93 of 211).
  • Widest gap: nonperforming loans / loans trails 98% of banks under $1B in assets in TX (rank 205 of 208).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.68%

Rank 171 of 211

Net Interest Margin

3.12%

Rank 169 of 211

Efficiency Ratio

64.74%

Rank 112 of 211

Equity / Assets

8.75%

Rank 180 of 211

Non-interest income vs. expense

$0.9M$8.1MINCOMEEXPENSE
Unfavorable gap of $7.2M · efficiency ratio beats 47% of banks under $1B in assets in TX
Bank 64.74%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.68%0.87%1.20%1.65%Beats 19%171 / 211
Return on Equity7.73%7.52%11.67%14.58%Beats 27%154 / 211
Net Interest Margin3.12%3.28%3.82%4.31%Beats 20%169 / 211
Efficiency Ratio64.74%53.01%64.18%73.65%Beats 47%112 / 211
Asset Quality
Nonperforming Loans / Loans3.70%0.01%0.30%1.10%Beats 2%205 / 208
Net Charge-Offs / Loans0.23%0.00%0.01%0.06%Beats 7%194 / 208
Capital
Tier 1 Capital Ratio14.57%11.72%14.45%19.57%Beats 51%104 / 211
Total Risk-Based Capital Ratio15.82%11.94%14.78%20.30%Beats 56%93 / 211
Equity / Assets8.75%9.41%11.06%12.94%Beats 15%180 / 211
Liquidity & Funding
Loans / Deposits80.46%45.39%66.56%82.03%72nd pctl59 / 208
Loans / Assets73.13%39.13%56.90%70.46%83rd pctl36 / 211
Brokered Deposits / Depositsn/aNot reported for this institution