Gilmer National Bank
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Data as of · sourced from FFIEC call reports. How we update
Gilmer National Bank is an FDIC-insured commercial bank headquartered in Gilmer, TX, established in 1901 (FDIC certificate 3219), and it is supervised by the OCC. At Q2 2026 it reported total assets of $374.5M, up 4.4% from Q2 2025, the 189th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 14.57% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3219
- Headquarters
- Gilmer, TX
- Established
- 1901
- Total assets, Q2 2026
- $374.5M
- Assets vs Q2 2025
- +4.4%
- CET1 ratio, Q2 2026
- 14.57%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 111905612
- Latest call report
- Q2 2026, FFIEC 051 · Gilmer National Bank call report
- Holding company
- GILMER NATIONAL BANCSHARES, INC.
- Asset rank in state
- 189th of 346 in Texas
Problem loans are rising at Gilmer National Bank. Based in Gilmer, Texas, it had $374 million in assets at June 30, 2026, up 4.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.70% of loans from 2.45% a year earlier. It pays an average of 3.05% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also carries problem assets equal to 28.5% of the capital and reserves that would absorb them, 10.8 times the median of 2.6% for banks its size.
Its $34 million non-owner-occupied commercial real estate book is improving, with 3.57% past due or on nonaccrual, down from 4.68% a year earlier. Net income for the quarter slipped 13% from a year earlier, to $593,000. Its margin is thin by comparison: it keeps 3.06 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Gilmer National Bank reported a CET1 capital ratio of 14.57%, a return on assets of 0.64%, a nonperforming-loan ratio of 3.70% and a Texas ratio of 28.52%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Gilmer National Bank is the 189th largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets fell 0.4% to $374.5M, loans fell 0.6% and deposits fell 0.6%. 1-4 family residential loans made up 35.8% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 12.5%. The FDIC Summary of Deposits lists 2 offices for it, in Gilmer, TX and Longview, TX; its Gilmer office books 91% of its branch deposits. Judged on its Q2 2026 call report, Gilmer National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 713 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
- May 1, 1901
- Former names
- Gilmer National Bank, Gilmer, Texas (1979)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $340.4M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- $304K
- Average total assets
- $371.5M
- Average total loans
- $277.4M
- Average interest-bearing deposits
- $297.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3219
- Fed RSSD
- 323651
- Website
- www.gnbgilmer.com →
- Parent Holding Company
- GILMER NATIONAL BANCSHARES, INC. (RSSD 2839969)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Gilmer National Bank's total assets ran between $311.8M (Q3 2023) and $376.1M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$374.5M total assets against $358.7M; $341.7M total liabilities against $327.8M.
$270.3M net loans and leases against $256.9M; $340.4M total deposits against $326.3M.
$58.6M securities against $55.9M; $38.3M cash and balances due against $36.9M.
$5.4M total interest income against $5.5M; $2.6M total interest expense against $2.6M.
$2.8M net interest income against $2.9M.
$213K total noninterest income against $207K; $1.9M total noninterest expense against $1.8M.
$300K provision for credit losses against $372K.
$593K net income against $678K.
0.64% return on assets against 0.77%; 3.06% net interest margin against 3.30%.
14.57% CET1 capital ratio against 14.94%; 9.69% tier 1 leverage ratio against 9.89%.
Inside the full Gilmer National Bank 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Gilmer National Bank rankings
Its closest position to the top of a national ranking is 67 of 3,640, for Texas Ratio; its furthest is 3,099 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.64% (Q2 2026) to 0.86% (Q4 2024) and its net interest margin ran from 2.92% (Q3 2024) to 3.34% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.57% | 0.64% | 3.70% | 28.52% | 3.06% |
| Q1 2026 | 15.02% | 0.73% | 4.74% | 36.14% | 3.26% |
| Q4 2025 | 14.70% | 0.79% | 2.86% | 22.52% | 3.34% |
| Q3 2025 | 15.36% | 0.73% | 2.82% | 21.35% | 3.16% |
| Q2 2025 | 14.94% | 0.77% | 2.45% | 18.55% | 3.30% |
| Q1 2025 | 14.29% | 0.79% | 1.67% | 12.91% | 3.23% |
| Q4 2024 | 14.87% | 0.86% | 1.38% | 10.75% | 3.07% |
| Q3 2024 | 15.44% | 0.68% | 1.05% | 7.58% | 2.92% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Gilmer National Bank, Gilmer, Texas | Gilmer , TX | 75644 | $310.5M |
| Longview Branch | Longview , TX | 75605 | $29.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 225 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 76 applications, 71 loans originated, $26.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $70K approved, $70K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Gilmer National Bank
What are Gilmer National Bank's total assets?
As of the Q2 2026 filing, Gilmer National Bank reported total assets of $374.5 million in its FFIEC call report.
Where is Gilmer National Bank headquartered?
It is headquartered in Gilmer, TX, United States.
When was Gilmer National Bank founded?
It was established in 1901, per the FDIC institution directory.
Is Gilmer National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Gilmer National Bank?
Gilmer National Bank's primary federal regulator is the OCC.
What is Gilmer National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.57% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Gilmer National Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Gilmer National Bank's Texas Ratio?
Its Texas Ratio is 28.52% 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 Gilmer National Bank previously called?
The charter now named Gilmer National Bank has also operated as Gilmer National Bank, Gilmer, Texas (1979), per FDIC structure-change records.
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