Gilmer National Bank, Gilmer, Texas: how it compares with its peers
Against 139 TX banks with half to twice its assets, Gilmer National Bank, Gilmer, Texas's strongest measure in Q2 2026 is assets per employee ($7.8M vs. a $7.1M peer median). Its weakest relative measure is net interest margin (3.19% vs. 4.18%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.68% | 1.44% | Bottom third Ahead of 14% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.19% | 4.18% | Bottom third Ahead of 9% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.74% | 61.58% | Middle third Ahead of 41% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $7.1M | Middle third Ahead of 63% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.40% | 70.41% | Context |
What it means for lending operations
Its efficiency ratio of 64.74% is above the 61.58% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Lamar National Bank Paris, TX · $376M
- First State Bank Stratford, TX · $372M
- Crossroads Bank Yoakum, TX · $381M
- Yoakum Bank Yoakum, TX · $386M
- First National Bank in Port Lavaca Port Lavaca, TX · $361M
- The MINT National Bank Kingwood, TX · $389M
Questions about Gilmer National Bank, Gilmer, Texas
How big is Gilmer National Bank, Gilmer, Texas?
Gilmer National Bank, Gilmer, Texas, established in 1901, is headquartered in Gilmer, TX. It reported $374M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Gilmer National Bank, Gilmer, Texas's return on assets?
0.68% annualized in Q2 2026, against a 1.44% median for 139 TX banks with half to twice its assets, ahead of 14% of them.
What is Gilmer National Bank, Gilmer, Texas's efficiency ratio?
64.74% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 61.58%, and lower is better.
Is Gilmer National Bank, Gilmer, Texas growing its loans?
Net loans grew 5.2% over the year to Q2 2026, while deposits grew 4.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.