The First National Bank of East Texas

BankGilmer, Texas
www.fnbetx.com

Total Assets

$614.9M

Total Deposits

$556.5M

Branches

12

Established

1900

TFS Health Grade

$
D+

67.3 / 100

Below average financial health

How we grade

The First National Bank of East Texas is a bank headquartered in Gilmer, Texas, established in 1900. With $614.9M in total assets and 12 branch locations, it has a TFS Financial Health Grade of D+ (67.3/100).

Capital & Safety

Tier 1 Capital Ratio
9.58%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.68%

Profitability

Return on Assets (ROA)
1.12%(1%)
Return on Equity (ROE)
13.14%(10%)
Net Interest Margin
4.28%
Efficiency Ratio
68.11%(60%)

Lending & Liquidity

Total Loans
$418.7M
Loan-to-Deposit Ratio
74.34%
Net Charge-Off Ratio
0.30%

Growth

Asset Growth (YoY)
+10.37%
Deposit Growth (YoY)
+9.49%
Net Income
$6.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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