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
Unfavorable gap of $7.2M · efficiency ratio beats 47% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |