The First National Bank of East Texas
Also written as FNB of East Texas
BankRegReports is independent of The First National Bank of East Texas and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The First National Bank of East Texas is an FDIC-insured commercial bank headquartered in Gilmer, TX, supervised by the OCC, with $594.8M in total assets at Q2 2026, up 1.7% from Q2 2025, the 142nd largest of 346 banks headquartered in Texas. It was established in 1900 and holds FDIC certificate 3218. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.96% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3218
- Headquarters
- Gilmer, TX
- Established
- 1900
- Total assets, Q2 2026
- $594.8M
- Assets vs Q2 2025
- +1.7%
- Tier 1 leverage ratio, Q2 2026
- 9.96%
- Domestic offices
- 12 · The First National Bank of East Texas branches FDIC institution directory, current count
- Routing number
- 111905609
- Safety and soundness
- Is The First National Bank of East Texas safe?
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of East Texas Q3 2026 call report, filed October 19, 2026 (preliminary)
- Holding company
- FIRST GILMER BANKSHARES, INC.
- Asset rank in state
- 142nd of 346 in Texas
Problem loans are rising at The First National Bank of East Texas. Its balance sheet stood at $595 million at June 30, 2026, up 1.7% from a year earlier; it is based in Gilmer, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.58% of loans from 0.98% a year earlier. It carries problem assets equal to 12.7% of the capital and reserves that would absorb them, 4.8 times the median of 2.7% for the 2,627 banks with $100 million to $1 billion in assets. On the other hand, it returns 17.8% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.6%).
The non-owner-occupied commercial real estate book ($88 million) is worsening: 5.87% of it is past due or on nonaccrual, up from 1.33% a year earlier. Earnings jumped: net income for the quarter was $2.4 million, 38% above the same quarter a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.2 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, The First National Bank of East Texas reported a return on assets of 1.61%, a nonperforming-loan ratio of 1.58% and a Texas ratio of 12.74%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, The First National Bank of East Texas is the 142nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.2% to $594.8M, loans fell 1.4% and deposits fell 1.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 29.6% of total loans, followed by non-owner-occupied commercial real estate loans at 21.1%. The FDIC Summary of Deposits lists 12 offices for it, in 11 cities in TX; its Gilmer office books 48% of its branch deposits. Judged on its Q2 2026 call report, The First National Bank of East Texas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 206 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
- April 13, 1900
- Former names
- The First National Bank of East Texas (2020)
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 135
- Domestic deposits
- $536.7M
- Allowance for credit losses
- $5.6M
- Net charge-offs (YTD)
- -$9K
- Average total assets
- $605.0M
- Average total loans
- $432.9M
- Average interest-bearing deposits
- $415.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3218
- Fed RSSD
- 445955
- Website
- www.fnbetx.com →
- Parent Holding Company
- FIRST GILMER BANKSHARES, INC. (RSSD 1246515)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The First National Bank of East Texas reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The First National Bank of East Texas's total assets ranged from $537.3M (Q3 2023) to $614.9M (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$594.8M total assets against $584.7M; $539.3M total liabilities against $535.7M.
$410.4M net loans and leases against $400.9M; $536.7M total deposits against $533.1M.
$103.9M securities against $94.1M; $41.7M cash and balances due against $51.6M.
$8.9M total interest income against $8.6M; $2.7M total interest expense against $2.9M.
$6.3M net interest income against $5.7M.
$1.1M total noninterest income against $670K; $4.4M total noninterest expense against $4.4M.
$550K provision for credit losses against $165K.
$2.4M net income against $1.8M.
1.61% return on assets against 1.20%; 4.42% net interest margin against 4.22%.
9.96% tier 1 leverage ratio against 9.75%.
Inside the full The First National Bank of East Texas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The First National Bank of East Texas rankings
Its closest position to the top of a national ranking is 430 of 3,640, for Texas Ratio; its furthest is 1,672 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.13% (Q3 2024) to 1.74% (Q4 2024) and its net interest margin ran from 3.96% (Q3 2024) to 4.42% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.96% | 1.61% | 1.58% | 12.74% | 4.42% |
| Q1 2026 | 9.72% | 1.25% | 1.70% | 14.38% | 4.06% |
| Q4 2025 | 9.58% | 1.31% | 0.68% | 6.08% | 4.30% |
| Q3 2025 | 9.77% | 1.25% | 0.91% | 7.27% | 4.27% |
| Q2 2025 | 9.75% | 1.20% | 0.98% | 8.36% | 4.22% |
| Q1 2025 | 9.73% | 0.64% | 0.41% | 3.57% | 4.14% |
| Q4 2024 | 9.77% | 1.74% | 0.42% | 3.73% | 4.35% |
| Q3 2024 | 9.75% | -0.13% | 0.50% | 4.62% | 3.96% |
Swipe the table sideways to see every column.
Branch Network
View all 12 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of East Texas | Gilmer , TX | 75644 | $255.0M |
| Wood County National Bank Branch | Quitman , TX | 75783 | $44.6M |
| Mineola Branch | Mineola , TX | 75773 | $44.0M |
| Mount Vernon Branch | Mount Vernon , TX | 75457 | $38.0M |
| Sulphur Springs Branch | Sulphur Springs , TX | 75482 | $37.9M |
| First National Bank Emory Branch | Emory , TX | 75440 | $25.9M |
| Security State Bank Branch | Ore City , TX | 75683 | $22.4M |
| First National Bank of East Texas Longview Branch | Longivew , TX | 75604 | $22.0M |
| Diana Branch | Diana , TX | 75640 | $17.1M |
| Lake Country Branch | Emory , TX | 75440 | $11.1M |
| Fnb Pittsburg Branch | Pittsburg , TX | 75686 | $9.5M |
| Big Sandy Branch | Big Sandy , TX | 75755 | $9.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2014 | Structure Change | Acquired Security State Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2012 | Structure Change | Acquired Wood County National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- May 21, 2003, OCC: Formal Agreement: First NB of Gilmer
- Period: Most recent institution action May 21, 2003. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 178 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 160 applications, 116 loans originated, $34.1M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $200K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1997 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows The First National Bank of East Texas’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about The First National Bank of East Texas
What are The First National Bank of East Texas's total assets?
As of the Q2 2026 filing, The First National Bank of East Texas reported total assets of $594.8 million in its FFIEC call report.
Where is The First National Bank of East Texas headquartered?
It is headquartered in Gilmer, TX, United States.
When was The First National Bank of East Texas founded?
It was established in 1900, per the FDIC institution directory.
Is The First National Bank of East Texas FDIC-insured?
Yes. It 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 The First National Bank of East Texas?
The First National Bank of East Texas's primary federal regulator is the OCC.
How many branches does The First National Bank of East Texas operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of East Texas's Texas Ratio?
Its Texas Ratio is 12.74% in its Q2 2026 call report, within the healthy range (at or below 50%, the 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.
What was The First National Bank of East Texas previously called?
The charter now named The First National Bank of East Texas has also operated as The First National Bank of East Texas (2020), per FDIC structure-change records.
Go deeper on The First National Bank of East Texas.
Get an email when The First National Bank of East Texas files its next call report, and benchmark it against any peer you choose.
Unlock The First National Bank of East Texas, freeFree account