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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.85% | 0.78% | 0.76% | 0.73% | 0.79% | 0.73% | 0.63% | -13 bps | |
| Return on Equity | 7.99% | 10.11% | 9.33% | 8.87% | 8.39% | 9.03% | 8.32% | 7.25% | -162 bps | |
| Net Interest Margin | 2.90% | 3.05% | 3.21% | 3.27% | 3.11% | 3.29% | 3.22% | 3.02% | -25 bps | |
| Efficiency Ratio | 70.09% | 63.19% | 64.80% | 59.86% | 65.07% | 57.21% | 64.90% | 64.57% | +470 bps | |
| Non-Interest Burden | 1.95% | 1.84% | 1.99% | 1.86% | 1.94% | 1.78% | 2.01% | 1.87% | 0 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 | 0.13% | 0.24% | 0.00% | 0.20% | 0.96% | 0.34% | 0.21% | 0.23% | +3 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 | |