FIRST NATIONAL BANK OF EAST TEXAS, THE

GILMER, TX | Medium | Est. April 13, 1900, midnight | FDIC #3218 | RSSD #445955 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF EAST TEXAS, THE is amn medium FDIC-insured commercial bank headquartered in GILMER, TX, established in April 13, 1900, midnight. As of 2025-12-31, the bank reported total assets of $615M and total deposits of $556M. Profitability stands at 1.31% ROA and 15.02% ROE, with a net interest margin of 4.26%. The bank's CET1 capital ratio is 6.91%. Asset quality metrics show a non-performing loan ratio of 0.67% and a Texas Ratio of 5.39%. FDIC Certificate #3218.

Assets

$615M

Deposits

$556M

Loans

$419M

Equity

$53M

Profitability

Return on Assets (ROA) 1.31%
Return on Equity (ROE) 15.02%
Net Interest Margin (NIM) 4.26%
Yield on Assets 6.39%
Cost of Funds 2.15%

Asset Quality

NPL Ratio 0.67%
Net Charge-Off Ratio 0.30%
Texas Ratio 5.39%
NPA Ratio 0.51%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 6.91%
Tier 1 Capital 6.91%
Total Capital Ratio 7.25%
Leverage Ratio 9.58%
Loan-to-Deposit 75.25%

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