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First National Bank of Giddings

Giddings, TX · Cert 3217 · Giddings Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

22

Q2 2024Q2 2026peer median (50)

Asset Quality

26

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

38

Q2 2024Q2 2026peer median

Efficiency

74

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Giddings

Giddings, TX · Cert 3217 · Giddings Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$356.2MAssets
$255.5MLoans
$315.1MDeposits
$34.6MEquity
Loan mix
89%RE $219.4M8%C&I $20.2M3%Consumer $6.6MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $236.8M25%Noninterest $78.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.32%, up 18 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 2.07% of loans (+13 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 11.18%, up 64 bps from a year ago.
  • Funding: loans stand at 81.08% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.32%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.26%+31 bps YoY

Efficiency Ratio (YTD, annualized)

53.93%-487 bps YoY

Tier 1 Leverage Ratio

11.18%+64 bps YoY

NIM

4.56%Q2 ’244.93%Q2 ’255.17%Q2 ’26+16%+10%

Non-interest income vs. expense

1.89%Q2 ’241.85%Q2 ’251.87%Q2 ’26-1%+0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.97%1.13%1.14%1.22%1.12%1.36%1.32%+18 bps
Return on Equity10.91%12.02%14.15%14.09%14.83%13.29%14.84%14.11%+2 bps
Net Interest Margin2.61%2.62%2.97%2.95%3.01%3.03%3.20%3.26%+31 bps
Efficiency Ratio66.81%64.12%59.42%58.80%56.79%56.29%53.52%53.93%-487 bps
Non-Interest Burden1.66%1.56%1.69%1.65%1.62%1.61%1.61%1.66%+1 bps
Growth
Asset Growth (YoY)10.58%8.42%7.18%9.83%9.68%7.61%5.89%2.84%-699 bps
Loan Growth (YoY)10.97%17.61%17.39%14.74%14.00%7.55%6.36%1.96%-1,277 bps
Deposit Growth (YoY)9.92%7.94%9.64%6.32%7.22%7.38%4.11%4.52%-180 bps
Asset Quality
Nonperforming Loans / Loans0.74%0.69%0.69%1.94%1.90%2.20%2.07%2.07%+13 bps
Net Charge-Offs / Loans-0.06%-0.07%-0.07%-0.04%-0.10%-0.07%0.06%0.03%+7 bps
Allowance / Loans1.51%1.51%1.45%1.40%1.44%1.51%1.50%1.50%+10 bps
Allowance Coverage of NPLs2.0x2.2x2.1x0.7x0.8x0.7x0.7x0.7x0.0x
Capital
Tier 1 Leverage Ratio10.60%10.40%10.42%10.54%10.63%10.47%10.76%11.18%+64 bps
Total Risk-Based Capital10.60%10.40%10.42%10.54%10.63%10.47%10.76%11.18%+64 bps
Equity / Assets8.54%7.84%8.16%8.18%8.82%9.12%9.16%9.70%+152 bps
Liquidity & Funding
Loans / Deposits77.18%81.56%79.19%83.11%82.05%81.69%80.90%81.08%-203 bps
Liquid Assets / Assets3.28%1.91%2.06%1.03%3.47%2.58%2.92%3.22%+219 bps
CRE / Total Capitaln/an/an/an/a184.67%185.92%181.89%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank of Giddings

Giddings, TX · Cert 3217 · Peer group: banks under $1B in assets in TX (n=208-211) · Giddings Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$356.2MAssets
$255.5MLoans
$315.1MDeposits
$34.6MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 74% of banks under $1B in assets in TX (rank 56 of 211).
  • Widest gap: nonperforming loans / loans trails 86% of banks under $1B in assets in TX (rank 180 of 208).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.32%

Rank 85 of 211

Net Interest Margin

3.26%

Rank 161 of 211

Efficiency Ratio

53.93%

Rank 56 of 211

Equity / Assets

9.70%

Rank 151 of 211

Non-interest income vs. expense

$0.8M$6.8MINCOMEEXPENSE
Unfavorable gap of $6.0M · efficiency ratio beats 74% of banks under $1B in assets in TX
Bank 53.93%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.32%0.87%1.20%1.65%Beats 60%85 / 211
Return on Equity13.59%7.52%11.67%14.58%Beats 67%69 / 211
Net Interest Margin3.26%3.28%3.82%4.31%Beats 24%161 / 211
Efficiency Ratio53.93%53.01%64.18%73.65%Beats 74%56 / 211
Asset Quality
Nonperforming Loans / Loans2.07%0.01%0.30%1.10%Beats 14%180 / 208
Net Charge-Offs / Loans0.03%0.00%0.01%0.06%Beats 37%132 / 208
Capital
Tier 1 Capital Ratio11.18%11.72%14.45%19.57%Beats 20%169 / 211
Total Risk-Based Capital Ratio11.18%11.94%14.78%20.30%Beats 19%171 / 211
Equity / Assets9.70%9.41%11.06%12.94%Beats 28%151 / 211
Liquidity & Funding
Loans / Deposits81.08%45.39%66.56%82.03%73rd pctl56 / 208
Loans / Assets71.73%39.13%56.90%70.46%78th pctl47 / 211
Brokered Deposits / Depositsn/aNot reported for this institution