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Gilmer National Bank Gilmer Texas

IDRSSD: 323651
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q2QoQ -4

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #323651 2025-Q2 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Watch
Reserves:Watch

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.58%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.48% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -4 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -11

The five pillars

Liquidity

StableQoQ +2
80
Sub-score

Liquidity is stable: brokered 7.2%, loans/deposits 78.7%, cash 5.0% of assets.

Cash / Assets
5.03%
Loans / Deposits
78.74%
Brokered %
7.24%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.26%
No watch items at this period.

Capitalization

StrongQoQ +2
100
Sub-score

Capital position is strong: Tier 1 RBC 14.94%, CET1 14.94%, leverage 9.89%.

Tier 1 RBC
14.94%
CET1
14.94%
Leverage
9.89%
No watch items at this period.

Asset Quality

WatchQoQ -13
54
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.48%, Texas Ratio 16.7%, NCO YTD 0.20%.

Adjusted NPL
2.48%
Govt-guarantees stripped
Texas Ratio
16.7%
NCO YTD
0.20%
30-89 PD
2.51%
Band 0.3% / 3.0%
90+ PD
1.58%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.48% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.58%.

Reserves

WatchQoQ -11
41
Sub-score

Reserves are deteriorating: ALLL 1.34% of loans, coverage 54.9%, true coverage 54.9%.

ALLL / Loans
1.34%
Coverage
54.9%
True Loss Coverage
54.9%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 10:12:22 UTC