The First National Bank of East Texas is a national bank headquartered in Gilmer, Texas, in business for about 126 years. At the end of Q2 2026 it reported $594.8M in total assets and $536.7M in deposits, with 12 offices.
Based on its Q2 2026 filing, The First National Bank of East Texas scores 60/100, which we describe as moderate. That is higher than only 19% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 300th. Its strongest component is earnings (78/100; 1.45%), and its lowest is loan quality (47/100; 1.58%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 60).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 61 |
| Q4 2024 | 65 |
| Q1 2025 | 64 |
| Q2 2025 | 61 |
| Q3 2025 | 63 |
| Q4 2025 | 65 |
| Q1 2026 | 56 |
| Q2 2026 | 60 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.85% |
| Q3 2024 | 9.75% |
| Q4 2024 | 9.77% |
| Q1 2025 | 9.73% |
| Q2 2025 | 9.75% |
| Q3 2025 | 9.77% |
| Q4 2025 | 9.58% |
| Q1 2026 | 9.72% |
| Q2 2026 | 9.96% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.51% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.41% |
| Q2 2025 | 0.98% |
| Q3 2025 | 0.91% |
| Q4 2025 | 0.68% |
| Q1 2026 | 1.70% |
| Q2 2026 | 1.58% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.59% |
| Q3 2024 | 0.34% |
| Q4 2024 | 0.71% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.94% |
| Q3 2025 | 1.05% |
| Q4 2025 | 1.12% |
| Q1 2026 | 1.27% |
| Q2 2026 | 1.45% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $594.8M | 9.96% | 1.58% | 1.45% | 76.5% |
| Q1 2026 | 56 | $602.0M | 9.72% | 1.70% | 1.27% | 76.3% |
| Q4 2025 | 65 | $614.9M | 9.58% | 0.68% | 1.12% | 74.3% |
| Q3 2025 | 63 | $595.9M | 9.77% | 0.91% | 1.05% | 74.7% |
| Q2 2025 | 61 | $584.7M | 9.75% | 0.98% | 0.94% | 75.2% |
| Q1 2025 | 64 | $575.9M | 9.73% | 0.41% | 0.66% | 76.9% |
| Q4 2024 | 65 | $557.1M | 9.77% | 0.42% | 0.71% | 78.3% |
| Q3 2024 | 61 | $556.1M | 9.75% | 0.50% | 0.34% | 78.8% |
| Q2 2024 | 63 | $547.3M | 9.85% | 0.51% | 0.59% | 79.1% |
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Gulf Capital BankBank Houston, TX | 71 out of 100, Strong | $596.5M | 13.8% | 0.65% | vs |
| The Falls City National BankBank Falls City, TX | 69 out of 100, Moderate | $597.1M | 16.3% | 3.22% | vs |
| First Federal Community Bank, SSBBank Paris, TX | 74 out of 100, Strong | $603.6M | 13.1% | 0.75% | vs |
| First National Bank of HuntsvilleBank Huntsville, TX | 90 out of 100, Very strong | $584.9M | 13.3% | 0.05% | vs |
| The Bank and Trust, S.S.B.Bank Del Rio, TX | 77 out of 100, Strong | $583.8M | 10.0% | 0.05% | vs |
| SouthTrust Bank, N.A.Bank George West, TX | 79 out of 100, Strong | $578.8M | 12.5% | 0.27% | vs |
Deposit insurance
Is my money safe at The First National Bank of East Texas?
Yes. The First National Bank of East Texas is an FDIC-insured institution (FDIC certificate #3218). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 32.9% of deposits ($176.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.96%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
12 locations
Branches
The First National Bank of East Texas lists 12 offices in 11 cities. Most locations:
- Emory, TX (2)
- Big Sandy, TX (1)
- Diana, TX (1)
- Gilmer, TX (1)
- Longivew, TX (1)
- Mineola, TX (1)
- Mount Vernon, TX (1)
- Ore City, TX (1)
- Pittsburg, TX (1)
- Quitman, TX (1)
- Sulphur Springs, TX (1)
HMDA 2025
Mortgage lending
In 2025, The First National Bank of East Texas reported 160 home-loan applications under HMDA (LEI 254900CBU2F2TON68T25): 116 originated ($34,120,000 total), 21 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.4%, 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
- The First National Bank of East Texas
- Former names
- The First National Bank of Gilmer
- Type
- National bank
- FDIC certificate #
- 3218
- RSSD ID
- 445955
- Primary regulator
- OCC
- Holding company
- First Gilmer Bankshares Inc
- Established
- April 13, 1900
- Headquarters
- 206 Us Highway 271 N, Gilmer, TX 75644
- Website
- www.fnbetx.com
- Employees
- 135
Quick answers
The First National Bank of East Texas: common questions
Is The First National Bank of East Texas FDIC insured?
Yes. The First National Bank of East Texas is an FDIC-insured institution (FDIC certificate #3218). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of East Texas's TellerScore?
60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The First National Bank of East Texas ever failed?
There is no failure record for FDIC certificate #3218 in the FDIC failed bank list.
How many branches does The First National Bank of East Texas have?
12 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Gilmer
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sweetex Credit UnionCredit union Longview, TX | 94 out of 100, Very strong | $9.4M | 39.4% | 0.00% | vs |
| Eastman Credit UnionCredit union Kingsport, TN | 91 out of 100, Very strong | $10.2B | 14.9% | 0.31% | vs |
| East Texas Professional Credit UnionCredit union Longview, TX | 90 out of 100, Very strong | $1.4B | 19.4% | 0.41% | vs |
| Austin Bank, Texas National AssociationBank Jacksonville, TX | 88 out of 100, Very strong | $3.3B | 15.1% | 0.60% | vs |
| The First National Bank of WinnsboroBank Winnsboro, TX | 86 out of 100, Very strong | $158.2M | 22.7% | 1.10% | vs |
| Community BankBank Longview, TX | 82 out of 100, Strong | $315.5M | 11.9% | 0.00% | vs |