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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 $6.6MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $236.8M25%Noninterest $78.3MQ2 2025Q2 2026

NIM

4.61%Q2 ’244.98%Q2 ’255.20%Q2 ’26+15%+11%

Non-interest income vs. expense

2.02%Q2 ’241.86%Q2 ’251.91%Q2 ’26-9%+3%

Executive Summary

  • Earnings: ROA of 1.28%, up 13 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 2.07% of loans (+13 bps YoY), with net charge-offs at 0.00%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.28%+13 bps YoY

Net Interest Margin (quarter, annualized)

3.29%+32 bps YoY

Efficiency Ratio (quarter, annualized)

54.34%-385 bps YoY

Tier 1 Leverage Ratio

11.18%+64 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.40%0.82%1.36%1.28%+13 bps
Return on Equity13.98%16.44%9.10%14.84%13.53%-46 bps
Net Interest Margin2.98%3.25%3.25%3.20%3.29%+32 bps
Efficiency Ratio58.19%53.25%54.92%53.52%54.34%-385 bps
Non-Interest Burden1.64%1.63%1.68%1.61%1.69%+5 bps
Growth
Asset Growth (YoY)9.83%9.68%7.61%5.89%2.84%-699 bps
Loan Growth (YoY)14.74%14.00%7.55%6.36%1.96%-1,277 bps
Deposit Growth (YoY)6.32%7.22%7.38%4.11%4.52%-180 bps
Asset Quality
Nonperforming Loans / Loans1.94%1.90%2.20%2.07%2.07%+13 bps
Net Charge-Offs / Loans-0.01%-0.20%0.02%0.06%0.00%+2 bps
Allowance / Loans1.40%1.44%1.51%1.50%1.50%+10 bps
Allowance Coverage of NPLs0.7x0.8x0.7x0.7x0.7x0.0x
Capital
Tier 1 Leverage Ratio10.54%10.63%10.47%10.76%11.18%+64 bps
Total Risk-Based Capital10.54%10.63%10.47%10.76%11.18%+64 bps
Equity / Assets8.18%8.82%9.12%9.16%9.70%+152 bps
Liquidity & Funding
Loans / Deposits83.11%82.05%81.69%80.90%81.08%-203 bps
Liquid Assets / Assets1.03%3.47%2.58%2.92%3.22%+219 bps
CRE / Total Capitaln/a184.67%185.92%181.89%n/an/a