First National Bank of East Texas

Overview / Commentary
206 US Highway 271 N
Gilmer, TX 75644

First National Bank of East Texas is headquartered in Gilmer and is the 165th largest bank in the state of Texas. It is also the 1,840th largest bank in the nation. It was established in 1900 and as of June of 2021, it had grown to 117 employees at 10 locations. First National Bank of East Texas has an A health rating.

Reviews (1)

Horrible Customer Service

Posted by: |

This bank has the worst customer service ever. They will not work with you at all. They don't tell you that they don't do their withdraws in the order in which they happen. Instead they take the largest deduction first. So if you do have any smaller ones afterwards they can stick you with 3 or 4 insufficient funds charges verses one. Then when you call and question their accounting after 4 bank employees can't tell you why they have done the withdraws in the order they were done you get to speak to bookkeeping. Bookkeeping is then very short and rude telling you they have done this since 1985. I have never had any bank tell me to balance my check book out of order. They don't offer any overdraft but believe me their goal in banking is to determine how they can collect more of your money for themselves. They also allow your account to be charged insufficient funds due to monthly charges which most banks don't even have. As soon as my last direct deposit hits I am closing my account and looking for a bank that at least is friendly and knowledgeable when I have a problem. This is definitely not the bank for customers service.


Health Grade Components

FDIC Certificate #3218
Year Established1900
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.72%
Return on Equity - YTD13.87%
Annual Interest Income$9.2MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$461.7MM$451.4MM
LoansQ2 2021vs Q2 2020$277.3MM$255.6MM
DepositsQ2 2021vs Q2 2020$403.0MM$396.3MM
Equity CapitalQ2 2021vs Q2 2020$56.3MM$52.8MM
Loan Loss AllowanceQ2 2021vs Q2 2020$3.9MM$3.8MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$3.1MM$3.1MM
Real Estate OwnedQ2 2021vs Q2 2020$618.00K$0

Sorry, we do not have rate data for First National Bank of East Texas.


First National Bank of East Texas Locations
Fnb Pittsburg Branch1896 Us Highway 271 NPittsburg, TX 75686
Lake Country Branch1947 Fm 2946Emory, TX 75440
The First National Bank Of Gilmer206 Us Highway 271 NGilmer, TX 75644
Wood County National Bank Branch417 South MainQuitman, TX 75783
Mount Vernon Branch824 Highway 37 SouthMount Vernon, TX 75457
Big Sandy Branch910 West BroadwayBig Sandy, TX 75755
Mineola Branch100 Northwest Loop 564Mineola, TX 75773
Security State Bank Branch220 East Main StreetOre City, TX 75683
Diana BranchWest U.S. Highway 259Diana, TX 75640

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