C
The First National Bank of East Texas
Gilmer,  TX
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The First National Bank of East Texas
Gilmer, TX
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Rating C
Asset Quality Index 4.20
Capitalization Index 8.40
Liquidity Index 1.70
Profitability Index 5.20
Stability Index 6.60
Company Info The First National Bank of East Texas
Gilmer, TX
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FDIC Number 3218
Phone Number (903) 843-4100
Website www.fnbgilmer.com
Asset Quality The First National Bank of East Texas
Gilmer, TX
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1-Year Asset Growth 1.73%
5-Year Asset Growth 8.35%
5-Year Charge-Offs to Average Loans 0.17%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 1.15%
Non-Performing Loans to Capital 10.05%
Non-Performing Loans to Loans 1.52%
Balance Sheet The First National Bank of East Texas
Gilmer, TX
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Total Assets 594.79M
Total Deposits 536.68M
Capital and Reserves The First National Bank of East Texas
Gilmer, TX
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Capital 55.48M
Leverage Ratio 9.96
Loan Loss Reserves to Loans 1.35%
Risk-Based Capital Ratio --
Liquidity The First National Bank of East Texas
Gilmer, TX
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Hot Money Ratio 32.89%
Liquidity Ratio 16.19%
Profitability The First National Bank of East Texas
Gilmer, TX
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5-Year Return on Average Assets 1.09%
Net Income 4.37M
Net Interest Spread 4.24%
Operating Profit to Average Assets 1.43%
Overhead Efficiency Ratio 63.64%
Return on Assets 1.43%
Return on Equity 16.17%