Gilmer National Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Gilmer National Bank. Based in Gilmer, Texas, it had $374 million in assets at June 30, 2026, up 4.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.70% of loans from 2.45% a year earlier. It pays an average of 3.05% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also carries problem assets equal to 28.5% of the capital and reserves that would absorb them, 10.8 times the median of 2.6% for banks its size.
Its $34 million non-owner-occupied commercial real estate book is improving, with 3.57% past due or on nonaccrual, down from 4.68% a year earlier. Net income for the quarter slipped 13% from a year earlier, to $593,000. Its margin is thin by comparison: it keeps 3.06 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Gilmer National Bank reported a CET1 capital ratio of 14.57%, a return on assets of 0.64%, a nonperforming-loan ratio of 3.70% and a Texas ratio of 28.52%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 713 Us Highway 271 N, Gilmer, TX 75644
- County
- Upshur
- Metro Area
- Longview, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 1, 1901
- Former names
- Gilmer National Bank, Gilmer, Texas (1979)
- Offices
- 2 domestic
- Employees (FTE)
- 48
- Domestic deposits
- $340.4M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- $304K
- Average total assets
- $371.5M
- Average total loans
- $277.4M
- Average interest-bearing deposits
- $297.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3219
- Fed RSSD
- 323651
- Website
- www.gnbgilmer.com →
- Parent Holding Company
- GILMER NATIONAL BANCSHARES, INC. (RSSD 2839969)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Gilmer National Bank terminal
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Unlock Gilmer National Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Gilmer National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.57% | 0.64% | 3.70% | 28.52% | 3.06% |
| Q1 2026 | 15.02% | 0.73% | 4.74% | 36.14% | 3.26% |
| Q4 2025 | 14.70% | 0.79% | 2.86% | 22.52% | 3.34% |
| Q3 2025 | 15.36% | 0.73% | 2.82% | 21.35% | 3.16% |
| Q2 2025 | 14.94% | 0.77% | 2.45% | 18.55% | 3.30% |
| Q1 2025 | 14.29% | 0.79% | 1.67% | 12.91% | 3.23% |
| Q4 2024 | 14.87% | 0.86% | 1.38% | 10.75% | 3.07% |
| Q3 2024 | 15.44% | 0.68% | 1.05% | 7.58% | 2.92% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Gilmer National Bank, Gilmer, Texas | Gilmer , TX | 75644 | $310.5M |
| Longview Branch | Longview , TX | 75605 | $29.9M |
Regulatory record
What the public regulatory sources show for Gilmer National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 225 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 76 applications, 71 loans originated, $26.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $70K approved, $70K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Gilmer National Bank
What are Gilmer National Bank's total assets?
As of the Q2 2026 filing, Gilmer National Bank reported total assets of $374.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Gilmer National Bank headquartered?
Gilmer National Bank is headquartered in Gilmer, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Gilmer National Bank founded?
Gilmer National Bank was established in 1901, per the FDIC institution directory.
Is Gilmer National Bank FDIC-insured?
Yes. Gilmer National Bank is an FDIC-insured commercial bank (FDIC Certificate #3219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Gilmer National Bank?
Gilmer National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Gilmer National Bank's CET1 capital ratio?
Gilmer National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.57% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Gilmer National Bank operate?
Gilmer National Bank operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Gilmer National Bank's Texas Ratio?
Gilmer National Bank's Texas Ratio is 28.52% in its Q2 2026 call report, between 25% and 50%, below the 50% level at which problem assets reach half of the capital cushion. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Gilmer National Bank previously called?
The charter now named Gilmer National Bank has also operated as Gilmer National Bank, Gilmer, Texas (1979), per FDIC structure-change records.
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