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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