BanksGILMER NATIONAL BANK

GILMER NATIONAL BANK

GILMER, TXSmallEst. May 1, 1901, midnightFDIC #3219RSSD #323651OCC
Latest · 2025-12-31

GILMER NATIONAL BANK is an 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%. CET1 capital ratio: 14.70%, well above regulatory minimums. NPL ratio: 2.35% · Texas Ratio: 18.67%. Operates 2 domestic branches.

Assets
$365M
Deposits
$332M
Loans
$271M
Equity
$32M

Profitability

Return on Assets (ROA)0.79%
Return on Equity (ROE)9.03%
Net Interest Margin3.60%
Yield on Assets6.72%
Cost of Funds3.16%

Asset Quality

NPL Ratio2.35%
Net Charge-Off Ratio0.37%
Texas Ratio18.67%
NPA Ratio1.81%
ACL / Loans1.23%

Capital & Liquidity

CET1 Ratio14.70%
Tier 1 Capital14.70%
Total Capital Ratio15.95%
Leverage Ratio9.58%
Loan-to-Deposit81.38%

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