Gilmer National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Gilmer National Bank of Gilmer, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.64% | 1.34% | -0.70% | 17th bottom |
| ROAE | 7.25% | 13.32% | -6.07% | 22nd bottom |
| Net Interest Margin | 3.06% | 3.93% | -0.87% | 11th bottom |
| Efficiency Ratio | 64.11% | 61.14% | +2.97% | 42nd below |
| PPNR / Avg Assets | 1.15% | 1.68% | -0.53% | 27th below |
| Yield on Earning Assets | 5.85% | 5.67% | +0.18% | 61st above |
| Cost of Funds | 3.05% | 1.88% | +1.17% | 5th bottom |
| Net Interest Spread | 2.39% | 3.32% | -0.93% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.26% | 0.94% | +2.32% | 5th bottom |
| NPA / Total Assets | 2.45% | 0.70% | +1.75% | 5th bottom |
| NCO / Avg Loans | 0.23% | 0.16% | +0.07% | 11th bottom |
| ACL / Total Loans | 1.32% | 1.28% | +0.04% | 65th above |
| ACL / NPLs (Coverage) | 40.60% | 1539.27% | -1498.67% | 7th bottom |
| Texas Ratio | 28.52% | 7.32% | +21.20% | 3rd bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 197.37% | 1396.15% | -1198.78% | 57th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.57% | 19.50% | -4.93% | 45th below |
| Tier 1 Ratio | 14.57% | 19.54% | -4.97% | 45th below |
| Total Capital Ratio | 15.82% | 20.62% | -4.80% | 46th below |
| Leverage Ratio | 9.69% | 12.14% | -2.45% | 25th below |
| Equity / Assets | 8.75% | 11.38% | -2.63% | 23rd bottom |
| TCE / Tangible Assets | 8.75% | 11.09% | -2.34% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.46% | 80.64% | -0.18% | 50th above |
| Core Deposit Ratio | 82.24% | 86.86% | -4.62% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.41% | 6.85% | -2.44% | 50th above |
| Loan Growth (Y/Y) | 5.18% | 7.90% | -2.72% | 49th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.33% | 6.29% | -1.96% | 52nd above |
See Gilmer National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Gilmer National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Gilmer National Bank profile, how to read a UBPR, or how this data updates.