First Nb Of East Texas (FDIC #3218): Bank Stress & Real-Estate Credit Exposure
First Nb Of East Texas (FDIC Cert #3218): bank stress 64/100, elevated, STABLE over 7 days; parent FIRST GILMER BANKSHARES INC.
First Nb Of East Texas (#3218) lends in 7 counties across 1 state; First Nb Of East Texas (#3218) reaches 37 ZIP codes: Texas 7 counties, 37 ZIPs.
First Nb Of East Texas (#3218) largest markets: Hopkins County, TX (13 branches, 13 ZIPs) (#3218), Upshur County, TX (48 branches, 12 ZIPs) (#3218), Wood County, TX (24 branches, 12 ZIPs) (#3218), Gregg County, TX (10 branches, 10 ZIPs) (#3218), Franklin County, TX (7 branches, 7 ZIPs) (#3218), Rains County, TX (12 branches, 6 ZIPs) (#3218).
First Nb Of East Texas (#3218) reports $594.8 million in total assets; First Nb Of East Texas (#3218) equity $55.5 million (9.3% of First Nb Of East Texas (#3218) assets); First Nb Of East Texas (#3218) domestic deposits $536.7 million; First Nb Of East Texas (#3218) net income $4.4 million; First Nb Of East Texas (#3218) return on assets 1.45%; First Nb Of East Texas (#3218) return on equity 16.14%; First Nb Of East Texas (#3218) net interest income $12.0 million; First Nb Of East Texas (#3218) call report June 30, 2026.
First Nb Of East Texas (#3218) noncurrent real-estate loans: none reported; First Nb Of East Texas (#3218) net charge-offs on real estate 2.05%; First Nb Of East Texas (#3218) residential charge-offs 4.05%.
First Nb Of East Texas (#3218) net interest margin 4.32% against an eight-quarter First Nb Of East Texas (#3218) average of 4.19% (First Nb Of East Texas (#3218) compression -0.13 points); First Nb Of East Texas (#3218) non-residential real estate 405.4% of equity; First Nb Of East Texas (#3218) rate-exposure score 40/100, First Nb Of East Texas (#3218) fixed-rate trap 40/100; First Nb Of East Texas (#3218) risk type credit driven; First Nb Of East Texas (#3218) rate regime rates elevated, First Nb Of East Texas (#3218) snapshot October 19, 2026.
First Nb Of East Texas (#3218) stress score moved from 67.4 on June 22, 2026 to 64 on October 19, 2026; First Nb Of East Texas (#3218) ranged 64 to 67.4 over 116 snapshots.
First Nb Of East Texas (#3218) alerts: 7 counties; top First Nb Of East Texas (#3218) alert scores: Emory County, TX 20 (low); Longview County, TX 20 (low); Mount Vernon County, TX 20 (low); Ore City County, TX 20 (low); Pittsburg County, TX 20 (low).