BlastPoint's Banking Scorecard

Gilmer National Bank, Gilmer, Texas

$100M-$1B Specialty: Commercial TX FDIC cert 3219

Gilmer, TX

2 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +4.3% year over year ($340.4M on the books).
Delinquency rate 3.75%.
Return on assets 0.68%.
Efficiency ratio 64.74% vs a 64.48% peer average.
Loan-to-deposit ratio 79.40% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

Gilmer National Bank, Gilmer, Texas faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Delinquency Rate 2.83% above tier average
- Nonperforming Asset Ratio 2.10% above tier average
- ROA 0.64% below tier average
- Net Interest Margin 0.80% below tier average
- Efficiency Ratio 0.26% above tier average

Get updates when Gilmer National Bank, Gilmer, Texas releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$374.5M +4.4% YoY -0.4% QoQ	-$12.1M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	58%
Total Loans ?	$270.3M +5.2% YoY -0.7% QoQ	+$11.9M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	62%
Total Deposits ?	$340.4M +4.3% YoY -0.6% QoQ	+$13.6M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	62%
Return on Assets ?	0.68% -11.8% YoY -6.3% QoQ	-0.64%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	18%
Net Interest Margin ?	3.19% -3.7% YoY -3.4% QoQ	-0.80%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	16%
Efficiency Ratio ?	64.74% +3.9% YoY -0.2% QoQ	+0.26%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	43%
Delinquency Rate ?	3.75% +51.0% YoY -21.8% QoQ	+2.83%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 4.0% in tier
Loan-to-Deposit Ratio ?	79.40% +0.8% YoY -0.1% QoQ	+1.45%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	50%
Non-Interest-Bearing Deposit Share ?	12.20% +5.7% YoY -3.3% QoQ	-9.83%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	15%
Nonperforming Asset Ratio ?	2.77% +55.8% YoY -20.1% QoQ	+2.10%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 4.0% in tier
Tier 1 Capital Ratio ?	14.57% -2.5% YoY -3.0% QoQ	-1.34%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	62%
Non-Interest Income / Assets ?	0.12% -1.5% YoY +98.1% QoQ	-0.45%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	24%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	12.2% +0.7pp YoY -0.4pp QoQ	-9.9pp	22.1%	29.2%	22.2%	15%
Brokered Deposits	6.0% -1.2pp YoY -0.9pp QoQ	-1.8pp	7.9%	8.0%	8.5%	59%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	8.4% -2.1pp YoY -1.4pp QoQ	-3.1pp	11.6%	14.8%	12.5%	43%
CRE	30.8% -6.4pp YoY -5.0pp QoQ	-8.8pp	39.5%	48.4%	41.4%	36%
1-4 Family	36.2% +8.1pp YoY +5.6pp QoQ	+3.6pp	32.6%	25.8%	31.3%	64%
Consumer	10.7% -0.7pp YoY -0.1pp QoQ	+6.6pp	4.1%	4.7%	5.0%	93%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	14.6% -0.4pp YoY -0.4pp QoQ	-4.3pp	18.8%	22.7%	19.7%	45%
Leverage Ratio	9.7% -0.2pp YoY 0.0pp QoQ	-2.5pp	12.2%	12.6%	12.6%	25%
Total Capital Ratio	15.8% -0.4pp YoY -0.4pp QoQ	-4.1pp	19.9%	23.8%	20.8%	46%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	48 +1 (+2.1%) YoY 0 QoQ	-11	58	186	482	50%
Assets per Employee ($)	$7.8M +2.2% YoY -0.4% QoQ	+$284K	$7.5M	$10.1M	$8.8M	65%
Branch Count	2 0 YoY 0 QoQ	-3	4	12	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.4% -1.1pp YoY -1.9pp QoQ	+0.1pp	0.3%	0.3%	0.4%	80%
Nonaccrual	3.3% +2.4pp YoY +0.9pp QoQ	+2.4pp	0.9%	1.0%	1.0%	95%
Allowance Coverage	0.36x -34.8% YoY +34.0% QoQ	-23.80x	24.15x	18.82x	20.23x	5%
Net Charge-off Rate (YTD)	0.2% +0.1pp YoY 0.0pp QoQ	+0.1pp	0.1%	0.1%	0.2%	86%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	7.8% -1.3pp YoY -0.5pp QoQ	-4.4pp	12.2%	13.2%	11.6%	24%
Cost of Funds (YTD)	2.8% -0.2pp YoY 0.0pp QoQ	+1.1pp	1.7%	1.6%	1.7%	96%
Net Income ($, YTD)	$1.3M -7.2% YoY — QoQ	-$1.3M	$2.6M	$15.9M	$40.4M	35%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2539

Nonperforming Asset Ratio

credit_quality

Value: 2.77%

Peer Median: 0.67%

#2539 of 2643 Bottom 4.0% in $100M-$1B

2528

Delinquency Rate

credit_quality

Value: 3.75%

Peer Median: 0.92%

#2528 of 2633 Bottom 4.0% in $100M-$1B

2245

Non-Interest-Bearing Deposit Share

funding

Value: 12.20%

Peer Median: 22.03%

#2245 of 2643 Bottom 15.1% in $100M-$1B

2228

Net Interest Margin

profitability

Value: 3.19%

Peer Median: 3.99%

#2228 of 2643 Bottom 15.7% in $100M-$1B

2168

Return on Assets

profitability

Value: 0.68%

Peer Median: 1.32%

#2168 of 2643 Bottom 18.0% in $100M-$1B

2014

Non-Interest Income / Assets

revenue_mix

Value: 0.12%

Peer Median: 0.57%

#2014 of 2643 Bottom 23.8% in $100M-$1B