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
Unfavorable gap of $6.0M · efficiency ratio beats 74% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.32% | 0.87% | 1.20% | 1.65% | Beats 60% | 85 / 211 | | |
| Return on Equity | 13.59% | 7.52% | 11.67% | 14.58% | Beats 67% | 69 / 211 | | |
| Net Interest Margin | 3.26% | 3.28% | 3.82% | 4.31% | Beats 24% | 161 / 211 | | |
| Efficiency Ratio | 53.93% | 53.01% | 64.18% | 73.65% | Beats 74% | 56 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.07% | 0.01% | 0.30% | 1.10% | Beats 14% | 180 / 208 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.06% | Beats 37% | 132 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 11.18% | 11.72% | 14.45% | 19.57% | Beats 20% | 169 / 211 | | |
| Total Risk-Based Capital Ratio | 11.18% | 11.94% | 14.78% | 20.30% | Beats 19% | 171 / 211 | | |
| Equity / Assets | 9.70% | 9.41% | 11.06% | 12.94% | Beats 28% | 151 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.08% | 45.39% | 66.56% | 82.03% | 73rd pctl | 56 / 208 | | |
| Loans / Assets | 71.73% | 39.13% | 56.90% | 70.46% | 78th pctl | 47 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |