GILMER NATIONAL BANK

GILMER, TX | Small | Est. May 1, 1901, midnight | FDIC #3219 | RSSD #323651 | OCC
Latest Report: 2025-12-31

GILMER NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in GILMER, TX, established in May 1, 1901, midnight. As of 2025-12-31, the bank reported total assets of $365M and total deposits of $332M. Profitability stands at 0.79% ROA and 9.03% ROE, with a net interest margin of 3.60%. The bank's CET1 capital ratio is 14.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.35% and a Texas Ratio of 18.67%. FDIC Certificate #3219.

Assets

$365M

Deposits

$332M

Loans

$271M

Equity

$32M

Profitability

Return on Assets (ROA) 0.79%
Return on Equity (ROE) 9.03%
Net Interest Margin (NIM) 3.60%
Yield on Assets 6.72%
Cost of Funds 3.16%

Asset Quality

NPL Ratio 2.35%
Net Charge-Off Ratio 0.37%
Texas Ratio 18.67%
NPA Ratio 1.81%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 14.70%
Tier 1 Capital 14.70%
Total Capital Ratio 15.95%
Leverage Ratio 9.58%
Loan-to-Deposit 81.38%

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