Side-by-side · Q2 2026 data
Gilmer National Bank, Gilmer, Texas vs Crossroads Bank
Metric by metric
| Measure | Gilmer National Bank, Gilmer, Texas | Crossroads Bank |
|---|---|---|
| TellerScore | 40 | 67 (stronger) |
| Capital cushion | 47 | 66 (stronger) |
| Loan quality | 0 | 24 (stronger) |
| Earnings | 47 | 100 (stronger) |
| Funding & liquidity | 79 | 92 (stronger) |
| Problem-loan coverage | 43 | 71 (stronger) |
| Peer percentile | 2nd | 34th |
| Total assets | $374.5M | $380.7M |
| Deposits / shares | $340.4M | $345.4M |
| Capital ratio | 9.69% | 11.64% (stronger) |
| Problem loans | 3.70% | 2.29% (stronger) |
| Net charge-offs | 0.22% | 0.18% (stronger) |
| Return on assets | 0.68% | 2.56% (stronger) |
| Loans ÷ deposits | 79.4% | 60.9% (stronger) |
| Uninsured deposits | 16.8% (stronger) | 21.2% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | 8.8% |
Crossroads Bank has the higher TellerScore (67 vs 40). On the 7 directional measures above (where higher or lower is clearly better), Gilmer National Bank, Gilmer, Texas leads on 1 and Crossroads Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.