Side-by-side · Q2 2026 data
Gilmer National Bank, Gilmer, Texas vs The First National Bank of Winnsboro
Metric by metric
| Measure | Gilmer National Bank, Gilmer, Texas | The First National Bank of Winnsboro |
|---|---|---|
| TellerScore | 40 | 86 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 0 | 63 (stronger) |
| Earnings | 47 | 97 (stronger) |
| Funding & liquidity | 79 (stronger) | 78 |
| Problem-loan coverage | 43 | 94 (stronger) |
| Peer percentile | 2nd | 90th |
| Total assets | $374.5M | $158.2M |
| Deposits / shares | $340.4M | $121.4M |
| Capital ratio | 9.69% | 22.72% (stronger) |
| Problem loans | 3.70% | 1.10% (stronger) |
| Net charge-offs | 0.22% | 0.09% (stronger) |
| Return on assets | 0.68% | 1.92% (stronger) |
| Loans ÷ deposits | 79.4% (stronger) | 82.6% |
| Uninsured deposits | 16.8% | 14.7% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | 20.7% |
The First National Bank of Winnsboro has the higher TellerScore (86 vs 40). On the 7 directional measures above (where higher or lower is clearly better), Gilmer National Bank, Gilmer, Texas leads on 1 and The First National Bank of Winnsboro on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.