TellerScore

Gilmer National Bank, Gilmer, Texas is a national bank headquartered in Gilmer, Texas, in business for about 125 years. At the end of Q2 2026 it reported $374.5M in total assets and $340.4M in deposits, with 2 offices.

Gilmer National Bank, Gilmer, Texas has a TellerScore of 40 out of 100 (below average) based on Q2 2026 data — higher than only 2% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 344th. Funding & liquidity contributes the most (79/100, 79% loans-to-deposits, 17% uninsured); loan quality contributes the least (0/100, 3.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.69%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.70%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity79/100
Loans ÷ deposits and uninsured-deposit share: 79.4% · 16.8% uninsured
Problem-loan coverage43/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 28.52%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 8 points (48 → 40), mostly because the problem-loan coverage component weakened by 20 points.

TellerScore
385061Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202461
Q4 202457
Q1 202555
Q2 202548
Q3 202544
Q4 202543
Q1 202638
Q2 202640
Tier 1 leverage ratio
5.00%7.60%10.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.20%
Q3 20249.93%
Q4 20249.71%
Q1 20259.87%
Q2 20259.89%
Q3 20259.77%
Q4 20259.58%
Q1 20269.68%
Q2 20269.69%
Noncurrent loans
1.05%2.89%4.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.36%
Q3 20241.05%
Q4 20241.38%
Q1 20251.67%
Q2 20252.45%
Q3 20252.82%
Q4 20252.86%
Q1 20264.74%
Q2 20263.70%
Return on assets
0.49%0.63%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.49%
Q3 20240.55%
Q4 20240.63%
Q1 20250.78%
Q2 20250.77%
Q3 20250.76%
Q4 20250.77%
Q1 20260.73%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202640$374.5M9.69%3.70%0.68%79.4%
Q1 202638$376.1M9.68%4.74%0.73%79.5%
Q4 202543$365.4M9.58%2.86%0.77%80.4%
Q3 202544$364.8M9.77%2.82%0.76%79.4%
Q2 202548$358.7M9.89%2.45%0.77%78.7%
Q1 202555$352.5M9.87%1.67%0.78%79.6%
Q4 202457$350.1M9.71%1.38%0.63%76.4%
Q3 202461$350.6M9.93%1.05%0.55%74.6%
Q2 202458$336.1M10.20%1.36%0.49%76.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.69%
25th
Total risk-based capital15.82%
72nd
Problem loans3.70%
4th
Net charge-offs0.22%
11th
Return on assets0.68%
18th
Net interest margin3.19%
16th
Efficiency ratio64.7%
43rd
Loans to deposits79.4%
50th
Uninsured deposits16.8%
76th
Loan-loss reserves1.32%
66th
Texas ratio28.5%
2nd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Lamar National BankBank Paris, TX73 out of 100, Strong$375.9M10.6%0.15%vs
First State BankBank Stratford, TX88 out of 100, Very strong$371.9M12.6%0.00%vs
Crossroads BankBank Yoakum, TX67 out of 100, Moderate$380.7M11.6%2.29%vs
Yoakum BankBank Yoakum, TX73 out of 100, Strong$385.8M9.4%0.19%vs
First National Bank in Port LavacaBank Port Lavaca, TX54 out of 100, Below average$361.3M13.0%2.39%vs
The MINT National BankBank Kingwood, TX61 out of 100, Moderate$388.9M18.3%2.78%vs

Deposit insurance

Is my money safe at Gilmer National Bank, Gilmer, Texas?

Yes. Gilmer National Bank, Gilmer, Texas is an FDIC-insured institution (FDIC certificate #3219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.8% of deposits ($57.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.69%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.82% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Gilmer National Bank, Gilmer, Texas lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Gilmer National Bank, Gilmer, Texas reported 76 home-loan applications under HMDA (LEI 549300YBM0K5N6REP663): 71 originated ($26,635,000 total), 4 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Gilmer National Bank, Gilmer, Texas
Former names
The Farmers and Merchants National Bank of Gilmer
Type
National bank
FDIC certificate #
3219
RSSD ID
323651
Primary regulator
OCC
Holding company
Gilmer National Bancshares Inc
Established
May 1, 1901
Headquarters
713 Us Highway 271 N, Gilmer, TX 75644
Employees
48

Quick answers

Gilmer National Bank, Gilmer, Texas: common questions

Is Gilmer National Bank, Gilmer, Texas FDIC insured?

Yes. Gilmer National Bank, Gilmer, Texas is an FDIC-insured institution (FDIC certificate #3219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Gilmer National Bank, Gilmer, Texas's TellerScore?

40 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Gilmer National Bank, Gilmer, Texas ever failed?

There is no failure record for FDIC certificate #3219 in the FDIC failed bank list.

How many branches does Gilmer National Bank, Gilmer, Texas have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Gilmer

InstitutionScoreAssetsCapitalProblem loansCompare
Sweetex Credit UnionCredit union Longview, TX94 out of 100, Very strong$9.4M39.4%0.00%vs
Eastman Credit UnionCredit union Kingsport, TN91 out of 100, Very strong$10.2B14.9%0.31%vs
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
The First National Bank of WinnsboroBank Winnsboro, TX86 out of 100, Very strong$158.2M22.7%1.10%vs
Community BankBank Longview, TX82 out of 100, Strong$315.5M11.9%0.00%vs