Gladewater National Bank


678 North Main
Gladewater, TX 75647
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Gladewater National Bank is an FDIC insured institution located in Gladewater, TX. It was founded in 1982 and has approximately $0.04 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 23835
Date Established 1982
Assets $ 35.80 million
Loans $ 20.40 million
Deposits $ 27.81 million
Capital $ 7.14 million

For a more detailed analysis of Gladewater National Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 20, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - September 20, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Gladewater National Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 1907
2.808% 2.750%
-0.25 points
$1,875 fees
$1,021 Learn More
CIT Bank
NMLS ID: 541760
2.811% 2.750%
0.75 points
$1,988 fees
$1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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BMO Harris Bank
BMO Harris Bank
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Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Note to Gladewater National Bank
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Financial Details

Gladewater National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Gladewater National Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Gladewater National Bank U.S. Bank Average
35.99% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, Gladewater National Bank had $2,387,000 in non-current loans and $456,000 in owned real estate. To cover these potential losses it had $7,141,000 in equity and $759,000 in loans loss reserves. That gives it a Texas Ratio of 35.99%.

Return on Equity
Gladewater National Bank U.S. Bank Average
-2.13% 11.43%

Gladewater National Bank has a Return on Equity of -2.13% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Gladewater National Bank U.S. Bank Average
19.95% 11.51%

Gladewater National Bank has a Capitalization of 19.95% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Gladewater National Bank Balance Sheet Analysis

As of September 30, 2018, Gladewater National Bank had assets of $35,041,000, loans of $20,400,000, and deposits of $27,809,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions $ 6.80 million
Interest-bearing balances $ 4.73 million
Total securities $ 4.91 million
Federal funds sold and reverse repurchase $ 0.30 million
Net loans and leases $ 20.40 million
Loan loss allowance $ 0.76 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.46 million
Goodwill and other intangibles N.A.
All other assets $ 1.85 million
     Total Assets $ 27.90 million
Total deposits $ 27.81 million
      Interest-bearing deposits $ 21.92 million
      Deposits held in domestic offices $ 27.81 million
      % insured (estimated) 63.09%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.09 million
      Total Liabilities $ 27.90 million
      Shareholders’ Equity $ 7.90 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 1.00 million
Total Interest Expense $ 0.10 million
Net interest income $ 0.90 million
Provision for loan and lease losses $ 0.09 million
Total non interest income $ 0.11 million
Total non interest expense $ 1.04 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Gladewater National Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in Texas, Gladewater National Bank has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 58.08
Credit Card Loans 0.00
Consumer Auto Loans 1.11
Small Business Loans 0.00
Construction and Development Loans 7.30
Commercial Real Estate 10.91
Commercial and Industrial Loans 17.68
Farm Loans 1.09

Frequently Asked Questions About Gladewater National Bank

Branches and Savings

Is Gladewater National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #23835.

Why does Gladewater National Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Gladewater National Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Gladewater National Bank a commercial bank?


Where are Gladewater National Bank locations?

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Is Gladewater National Bank open on Saturdays?

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Are Gladewater National Bank ATMs Open 24/7?

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Will Gladewater National Bank notarize my document?

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Does Gladewater National Bank require US citizenship to open account?

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Does Gladewater National Bank offer mortgages?

Compare mortgage rates here.

Does Gladewater National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Gladewater National Bank offer personal loans?

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Does Gladewater National Bank offer student loans?

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Background on The Bank

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Will Gladewater National Bank accept loose change?

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