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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 $6.6MQ3 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