Gilmer National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Risk-weighted assets rose 3.4% in Q2 2026 to $247.1M, the biggest move on this page. Within Texas, Gilmer National Bank is 127th of 184 on CET1 ratio, 14.57% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Gilmer National Bank sits 0.50 points lower, at 14.57% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.57% |
| Tier 1 risk-based capital ratio | 14.57% |
| Total risk-based capital ratio | 15.82% |
| Tier 1 leverage ratio | 9.69% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $36.0M |
| Tier 1 capital | $36.0M |
| Total risk-based capital | $39.1M |
| Total equity capital | $32.8M |
| Risk-weighted assets | $247.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.75% |
| Tangible equity to tangible assets | 8.75% |
| Equity capital to average assets | 8.82% |
| Internal capital growth rate | 1.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $1.5M |
| Retained earnings | $34.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 16.69% | 16.69% | 17.94% | 10.30% | $202.2M |
| Q4 2023 | 16.67% | 16.67% | 17.93% | 10.73% | $199.2M |
| Q1 2024 | 15.65% | 15.65% | 16.90% | 10.52% | $215.2M |
| Q2 2024 | 15.28% | 15.28% | 16.53% | 10.20% | $219.4M |
| Q3 2024 | 15.44% | 15.44% | 16.69% | 9.93% | $220.9M |
| Q4 2024 | 14.87% | 14.87% | 16.12% | 9.71% | $228.0M |
| Q1 2025 | 14.29% | 14.29% | 15.54% | 9.87% | $242.1M |
| Q2 2025 | 14.94% | 14.94% | 16.19% | 9.89% | $232.8M |
| Q3 2025 | 15.36% | 15.36% | 16.61% | 9.77% | $230.8M |
| Q4 2025 | 14.70% | 14.70% | 15.95% | 9.58% | $239.6M |
| Q1 2026 | 15.02% | 15.02% | 16.27% | 9.68% | $238.9M |
| Q2 2026 | 14.57% | 14.57% | 15.82% | 9.69% | $247.1M |
Gilmer National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Gilmer National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Gilmer National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3219) · FFIEC NIC profile (RSSD 323651)