Gilmer National Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 3.26% from 2.39% in the prior period. Gilmer National Bank is a locally rooted FDIC-insured community bank based in Gilmer, TX. On its most recent Q2 2026 call report, Gilmer National reported $374M in total assets against $340M in deposits. Profitability runs below industry average: 0.64% ROA, 7.25% ROE, with NIM at 3.06%. Regulatory capital is solid, 14.57% CET1 and 15.82% total risk-based capital ratio. Asset quality is impaired, with nonperforming loans at 3.26%. 2 branches make up the footprint.
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 3.26%, a Texas ratio of 28.52%, per financial data filed with the FFIEC.
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)
- Offices
- 2 domestic
- Employees (FTE)
- 48
- Domestic deposits
- $340.4M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- $304K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Gilmer National Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Gilmer National 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.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
Gilmer National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Gilmer National Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.57% | 0.64% | 3.26% | 28.52% | 3.06% |
| Q1 2026 | 15.02% | 0.73% | 2.39% | 36.14% | 3.26% |
| Q4 2025 | 14.70% | 0.79% | 2.35% | 22.52% | 3.34% |
| Q3 2025 | 15.36% | 0.73% | 2.46% | 21.35% | 3.16% |
| Q2 2025 | 14.94% | 0.77% | 0.89% | 18.55% | 3.30% |
| Q1 2025 | 14.29% | 0.79% | 0.94% | 12.91% | 3.23% |
| Q4 2024 | 14.87% | 0.86% | 0.87% | 10.75% | 3.07% |
| Q3 2024 | 15.44% | 0.68% | 0.74% | 7.58% | 2.92% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Gilmer National Bank, Gilmer, Texas | Gilmer , TX | 75644 | $310.5M |
| Longview Branch | Longview , TX | 75605 | $29.9M |
Regulatory record
What the public regulatory sources show for Gilmer National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 225 of 447 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Gilmer National Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Gilmer National Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Gilmer National Bank headquartered?
Gilmer National Bank is headquartered in Gilmer, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Gilmer National Bank founded?
Gilmer National Bank was established in 1901, per the FDIC institution directory.
Is Gilmer National Bank FDIC-insured?
Yes. Gilmer National Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Gilmer National Bank's CET1 capital ratio?
Gilmer National Bank 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?
Gilmer National Bank 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?
Gilmer National Bank's Texas Ratio is 28.52% in its Q2 2026 call report, within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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.
Go deeper on Gilmer National Bank.
Unlock the full terminal: 25 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Gilmer National Bank, freeFree account