Gilmer, TX · Cert 3219 · Gilmer National Bancshares Inc.
National charter · OCC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
41
Asset Quality
5
Profitability
22
Liquidity
40
Efficiency
47
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.
Gilmer, TX · Cert 3219 · Gilmer National Bancshares Inc.
National charter · OCC · 2 branches
Q2 2026
Market Position · Longview, TX · 2026 SOD (annual) · 4.2% share · #8 of 25 inst. · $0.3B of $8.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.63% | 0.78% | 0.77% | 0.76% | 0.77% | 0.73% | 0.68% | -9 bps | |
| Return on Equity | 6.38% | 7.38% | 9.33% | 9.12% | 8.86% | 8.93% | 8.32% | 7.79% | -133 bps | |
| Net Interest Margin | 2.65% | 2.71% | 3.21% | 3.23% | 3.13% | 3.14% | 3.22% | 3.12% | -12 bps | |
| Efficiency Ratio | 74.37% | 71.25% | 64.80% | 62.31% | 63.23% | 61.65% | 64.90% | 64.74% | +243 bps | |
| Non-Interest Burden | 1.91% | 1.87% | 1.99% | 1.92% | 1.89% | 1.84% | 2.01% | 1.93% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.43% | 10.61% | 9.21% | 6.73% | 4.07% | 4.37% | 6.69% | 4.41% | -231 bps | |
| Loan Growth (YoY) | 23.40% | 21.07% | 18.37% | 11.55% | 10.64% | 9.16% | 6.51% | 5.18% | -637 bps | |
| Deposit Growth (YoY) | 15.80% | 16.42% | 12.56% | 7.59% | 3.97% | 3.71% | 6.62% | 4.33% | -327 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.05% | 1.38% | 1.67% | 2.45% | 2.82% | 2.86% | 4.74% | 3.70% | +125 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.12% | 0.00% | 0.10% | 0.38% | 0.37% | 0.21% | 0.22% | +12 bps | |
| Allowance / Loans | 1.27% | 1.23% | 1.26% | 1.34% | 1.17% | 1.23% | 1.26% | 1.32% | -2 bps | |
| Allowance Coverage of NPLs | 1.2x | 0.9x | 0.8x | 0.5x | 0.4x | 0.4x | 0.3x | 0.4x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.93% | 9.71% | 9.87% | 9.89% | 9.77% | 9.58% | 9.68% | 9.69% | -21 bps | |
| Total Risk-Based Capital | 16.69% | 16.12% | 15.54% | 16.19% | 16.61% | 15.95% | 16.27% | 15.82% | -37 bps | |
| Equity / Assets | 8.66% | 8.21% | 8.58% | 8.61% | 8.78% | 8.81% | 8.68% | 8.75% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.53% | 77.32% | 80.58% | 79.81% | 80.38% | 81.38% | 80.50% | 80.46% | +65 bps | |
| Liquid Assets / Assets | 3.03% | 3.40% | 3.42% | 4.58% | 2.91% | 3.83% | 4.20% | 4.42% | -16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 277% | 272% | 271% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.68% | 0.87% | 1.20% | 1.65% | Beats 19% | 171 / 211 | ||
| Return on Equity | 7.73% | 7.52% | 11.67% | 14.58% | Beats 27% | 154 / 211 | ||
| Net Interest Margin | 3.12% | 3.28% | 3.82% | 4.31% | Beats 20% | 169 / 211 | ||
| Efficiency Ratio | 64.74% | 53.01% | 64.18% | 73.65% | Beats 47% | 112 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.70% | 0.01% | 0.30% | 1.10% | Beats 2% | 205 / 208 | ||
| Net Charge-Offs / Loans | 0.23% | 0.00% | 0.01% | 0.06% | Beats 7% | 194 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.57% | 11.72% | 14.45% | 19.57% | Beats 51% | 104 / 211 | ||
| Total Risk-Based Capital Ratio | 15.82% | 11.94% | 14.78% | 20.30% | Beats 56% | 93 / 211 | ||
| Equity / Assets | 8.75% | 9.41% | 11.06% | 12.94% | Beats 15% | 180 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.46% | 45.39% | 66.56% | 82.03% | 72nd pctl | 59 / 208 | ||
| Loans / Assets | 73.13% | 39.13% | 56.90% | 70.46% | 83rd pctl | 36 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||