Gilmer National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 12.20 percentage points in Q2 2026, from 52.80% to 40.60%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Gilmer National Bank is 302nd of 345 on return on assets, 0.64% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Gilmer National Bank sits 0.62 points lower, at 0.64% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.57% |
| Tier 1 risk-based capital ratio | 14.57% |
| Total risk-based capital ratio | 15.82% |
| Tier 1 leverage ratio | 9.69% |
| Equity capital to assets | 8.75% |
| Tangible equity to tangible assets | 8.75% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.26% |
| Non-performing assets ratio | 2.45% |
| Net charge-off ratio | 0.23% |
| Texas ratio | 28.52% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 40.60% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.64% |
| Return on equity | 7.25% |
| Net interest margin | 3.06% |
| Efficiency ratio | 64.11% |
| Yield on earning assets | 5.85% |
| Cost of funds | 3.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.46% |
| Core deposits to total deposits | 82.24% |
| Brokered deposits to total deposits | 6.04% |
| Deposits to assets | 90.89% |
| Securities to assets | 15.64% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.69% | 16.69% | 17.94% | 10.30% | 0.39% |
| Q4 2023 | 16.67% | 16.67% | 17.93% | 10.73% | 0.55% |
| Q1 2024 | 15.65% | 15.65% | 16.90% | 10.52% | 0.57% |
| Q2 2024 | 15.28% | 15.28% | 16.53% | 10.20% | 0.40% |
| Q3 2024 | 15.44% | 15.44% | 16.69% | 9.93% | 0.68% |
| Q4 2024 | 14.87% | 14.87% | 16.12% | 9.71% | 0.86% |
| Q1 2025 | 14.29% | 14.29% | 15.54% | 9.87% | 0.79% |
| Q2 2025 | 14.94% | 14.94% | 16.19% | 9.89% | 0.77% |
| Q3 2025 | 15.36% | 15.36% | 16.61% | 9.77% | 0.73% |
| Q4 2025 | 14.70% | 14.70% | 15.95% | 9.58% | 0.79% |
| Q1 2026 | 15.02% | 15.02% | 16.27% | 9.68% | 0.73% |
| Q2 2026 | 14.57% | 14.57% | 15.82% | 9.69% | 0.64% |
Gilmer National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gilmer National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)