FIRST NATIONAL BANK OF EAST TEXAS, THE
FIRST NATIONAL BANK OF EAST TEXAS, THE is an FDIC-insured commercial bank headquartered in GILMER, TX, established in 1900. As of , 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 4.24%. CET1 capital ratio: 7.78%. NPL ratio: 0.67% · Texas Ratio: 5.39%. Operates 12 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
First National Bank of East Texas, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 |
|---|---|---|---|---|---|
| 2025-12-31 | 7.78% | 1.31% | 0.67% | 5.39% | 4.24% |
| 2025-09-30 | 7.90% | 1.27% | 0.78% | 5.60% | 4.21% |
| 2025-06-30 | 7.46% | 1.22% | 0.77% | 5.85% | 4.16% |
| 2025-03-31 | 7.45% | 0.66% | 0.28% | 2.17% | 4.08% |
| 2024-12-31 | 7.42% | 1.78% | 0.32% | 2.53% | 4.29% |
| 2024-09-30 | 7.88% | -0.13% | 0.61% | 4.91% | 3.91% |
| 2024-06-30 | 7.63% | 0.94% | 0.42% | 3.58% | 3.94% |
| 2024-03-31 | 7.49% | 0.22% | 0.42% | 3.77% | 3.74% |
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Frequently asked about FIRST NATIONAL BANK OF EAST TEXAS, THE
What are First National Bank of East Texas, the's total assets?
As of the Q4 2025 filing, First National Bank of East Texas, the reported total assets of $614.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank of East Texas, the headquartered?
First National Bank of East Texas, the is headquartered in GILMER, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First National Bank of East Texas, the founded?
First National Bank of East Texas, the was established in 1900, per the FDIC institution directory.
Is First National Bank of East Texas, the FDIC-insured?
Yes. First National Bank of East Texas, the is an FDIC-insured commercial bank (FDIC Certificate #3218). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of East Texas, the?
First National Bank of East Texas, the'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 First National Bank of East Texas, the's CET1 capital ratio?
First National Bank of East Texas, the reported a Common Equity Tier 1 (CET1) capital ratio of 7.78% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does First National Bank of East Texas, the operate?
First National Bank of East Texas, the operates 12 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First National Bank of East Texas, the's Texas Ratio?
First National Bank of East Texas, the's Texas Ratio is 5.39% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.