Advertisement
The First National Bank Of East Texas
Gilmer, TX · FDIC Certificate #3218 · Chartered 04/1
Total assets
$594.79M
Total deposits
$536.67M
Total equity
$55.48M
Net loans
$410.40M
Branches (offices)
12
Net income (YTD)
$4.37M
Rank: #1,569 of 4,213 U.S. banks by assets · #142 of 346 in Texas. Assets changed 1.7% and deposits 0.7% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.45% |
| Return on equity | 16.14% |
| Net interest margin (YTD) | 4.32% |
| Equity to assets | 9.33% |
| Tier 1 leverage ratio | 9.96% |
| Uninsured deposits (share of deposits) | 32.9% |
| Noncurrent loans (share of loans) | 1.58% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 76.5% |
| Real estate loans (share of loans) | 77.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $318.37M | 77.6% | |
| Commercial & industrial | $55.73M | 13.6% | |
| Consumer / individual | $18.49M | 4.5% | |
| Construction & development | $49.52M | 12.1% | |
| Agricultural | $22.58M | 5.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $484.91M | $440.35M | $2.81M | $42.58M |
| Jun 2023 | $537.97M | $481.11M | $2.26M | $44.52M |
| Jun 2024 | $547.30M | $488.70M | $1.60M | $47.06M |
| Jun 2025 | $584.66M | $533.12M | $2.70M | $48.92M |
| Jun 2026 | $594.79M | $536.67M | $4.37M | $55.48M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $536.67M | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $536.67M.
Similar-sized banks
The Andover Bank ($595.10M) · Citizens State Bank ($594.40M)
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.
Advertisement