Side-by-side · Q2 2026 data
Gilmer National Bank, Gilmer, Texas vs First State Bank
Metric by metric
| Measure | Gilmer National Bank, Gilmer, Texas | First State Bank |
|---|---|---|
| TellerScore | 40 | 88 (stronger) |
| Capital cushion | 47 | 76 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 47 | 100 (stronger) |
| Funding & liquidity | 79 (stronger) | 70 |
| Problem-loan coverage | 43 | 100 (stronger) |
| Peer percentile | 2nd | 92nd |
| Total assets | $374.5M | $371.9M |
| Deposits / shares | $340.4M | $326.4M |
| Capital ratio | 9.69% | 12.58% (stronger) |
| Problem loans | 3.70% | 0.00% (stronger) |
| Net charge-offs | 0.22% | 0.00% (stronger) |
| Return on assets | 0.68% | 2.27% (stronger) |
| Loans ÷ deposits | 79.4% | 74.7% (stronger) |
| Uninsured deposits | 16.8% (stronger) | 28.9% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | — |
First State Bank has the higher TellerScore (88 vs 40). On the 7 directional measures above (where higher or lower is clearly better), Gilmer National Bank, Gilmer, Texas leads on 1 and First State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.