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Gilmer National Bank, Gilmer, Texas
Gilmer, TX · FDIC Certificate #3219 · Chartered 05/0
Total assets
$374.50M
Total deposits
$340.37M
Total equity
$32.77M
Net loans
$270.25M
Branches (offices)
2
Net income (YTD)
$1.27M
Rank: #2,161 of 4,213 U.S. banks by assets · #189 of 346 in Texas. Assets changed 4.4% and deposits 4.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.68% |
| Return on equity | 7.79% |
| Net interest margin (YTD) | 3.19% |
| Equity to assets | 8.75% |
| Tier 1 leverage ratio | 9.69% |
| Uninsured deposits (share of deposits) | 16.8% |
| Noncurrent loans (share of loans) | 3.70% |
| Net charge-offs (share of loans) | 0.22% |
| Loans to deposits | 79.4% |
| Real estate loans (share of loans) | 71.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $194.01M | 71.8% | |
| Commercial & industrial | $22.72M | 8.4% | |
| Consumer / individual | $28.92M | 10.7% | |
| Construction & development | $28.38M | 10.5% | |
| Agricultural | $26.59M | 9.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $249.75M | $220.26M | $1.53M | $28.85M |
| Jun 2023 | $387.25M | $357.85M | $683.00K | $27.84M |
| Jun 2024 | $336.06M | $303.24M | $791.00K | $28.31M |
| Jun 2025 | $358.67M | $326.26M | $1.37M | $30.89M |
| Jun 2026 | $374.50M | $340.37M | $1.27M | $32.77M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $340.37M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $340.37M.
Similar-sized banks
The Farmers Bank Of Appomattox ($374.59M) · First Federal Community Bank Of Bucyrus ($373.83M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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