BlastPoint's Banking Scorecard
Gilmer National Bank, Gilmer, Texas
Micro
Specialty: Commercial
TX
FDIC cert 3219
Designations: ✓ Community bank
Gilmer, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Gilmer National Bank, Gilmer, Texas faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.26% above tier
- - Nonperforming Asset Ratio 1.74% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$365.4M
+4.4% YoY
+0.2% QoQ
|
+$147.9M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$267.2M
+9.2% YoY
+1.6% QoQ
|
+$128.0M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$332.5M
+3.7% YoY
+0.4% QoQ
|
+$148.8M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
0.77%
+21.2% YoY
+1.3% QoQ
|
-0.32% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
3.31%
+13.8% YoY
+1.1% QoQ
|
-0.54% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
61.65%
-13.5% YoY
-2.5% QoQ
|
-6.08% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
2.90%
+107.4% YoY
+1.4% QoQ
|
+2.26% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
80.38%
+5.3% YoY
+1.2% QoQ
|
+5.85% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
11.94%
-1.9% YoY
+0.1% QoQ
|
-10.45% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
15% |
| Nonperforming Asset Ratio ? |
2.19%
+124.3% YoY
+6.3% QoQ
|
+1.74% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? |
14.70%
-1.2% YoY
-4.3% QoQ
|
+5.84% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.24%
+3.3% YoY
+34.2% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.90%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.19%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Total Loans
Current: $267.2M · Tier avg: $139.2M
87
87th pctile
Total Deposits
Current: $332.5M · Tier avg: $183.7M
83
83th pctile
Total Assets
Current: $365.4M · Tier avg: $217.5M
71
71th pctile
Tier 1 Capital Ratio
Current: 14.70% · Tier avg: 8.85%
62
62th pctile
Efficiency Ratio
Current: 61.65% · Tier avg: 67.73%
42
42th pctile
Loan-to-Deposit Ratio
Current: 80.38% · Tier avg: 74.53%
32
32th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.08%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
26
26th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.85%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.94% · Tier avg: 22.39%
7
7th pctile
Delinquency Rate
Current: 2.90% · Tier avg: 0.64%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.19% · Tier avg: 0.45%
Top Weaknesses
6
6th pctile
Nonperforming Asset Ratio
Current: 2.19% · Tier avg: 0.45%
7
7th pctile
Delinquency Rate
Current: 2.90% · Tier avg: 0.64%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.94% · Tier avg: 22.39%
26
26th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.85%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
32
32th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.08%
42
42th pctile
Loan-to-Deposit Ratio
Current: 80.38% · Tier avg: 74.53%
62
62th pctile
Efficiency Ratio
Current: 61.65% · Tier avg: 67.73%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.70% · Tier avg: 8.85%
83
83th pctile
Total Assets
Current: $365.4M · Tier avg: $217.5M
87
87th pctile
Total Deposits
Current: $332.5M · Tier avg: $183.7M
87
87th pctile
Total Loans
Current: $267.2M · Tier avg: $139.2M