TellerScore

First National Bank of Giddings is a national bank headquartered in Giddings, Texas, in business for about 136 years. At the end of Q2 2026 it reported $356.2M in total assets and $315.1M in deposits, with 2 offices.

First National Bank of Giddings has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 14% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 314th. Earnings contributes the most (73/100, 1.32%); loan quality contributes the least (31/100, 2.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Tier 1 leverage ratio: 11.18%
Loan quality31/100
Noncurrent loans ÷ total loans: 2.07%
Earnings73/100
Return on assets (annualized): 1.32%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 79.9% · 35.3% uninsured
Problem-loan coverage72/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.79%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (54 → 57), mostly because the earnings component improved by 8 points.

TellerScore
515966Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202465
Q4 202465
Q1 202566
Q2 202554
Q3 202555
Q4 202551
Q1 202655
Q2 202657
Tier 1 leverage ratio
5.00%8.09%11.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.47%
Q3 202410.60%
Q4 202410.40%
Q1 202510.42%
Q2 202510.54%
Q3 202510.63%
Q4 202510.47%
Q1 202610.76%
Q2 202611.18%
Noncurrent loans
0.65%1.43%2.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.65%
Q3 20240.74%
Q4 20240.69%
Q1 20250.69%
Q2 20251.94%
Q3 20251.90%
Q4 20252.20%
Q1 20262.07%
Q2 20262.07%
Return on assets
0.85%1.10%1.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.85%
Q3 20240.89%
Q4 20240.97%
Q1 20251.13%
Q2 20251.14%
Q3 20251.22%
Q4 20251.12%
Q1 20261.36%
Q2 20261.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$356.2M11.18%2.07%1.32%79.9%
Q1 202655$356.7M10.76%2.07%1.36%79.7%
Q4 202551$357.5M10.47%2.20%1.12%80.5%
Q3 202555$357.0M10.63%1.90%1.22%80.9%
Q2 202554$346.3M10.54%1.94%1.14%81.9%
Q1 202566$336.9M10.42%0.69%1.13%78.0%
Q4 202465$332.2M10.40%0.69%0.97%80.3%
Q3 202465$325.5M10.60%0.74%0.89%76.0%
Q2 202465$315.3M10.47%0.65%0.85%75.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.18%
53rd
Total risk-based capital0.00%
24th
Problem loans2.07%
12th
Net charge-offs0.03%
34th
Return on assets1.32%
54th
Net interest margin3.50%
28th
Efficiency ratio53.9%
75th
Loans to deposits79.9%
50th
Uninsured deposits35.3%
17th
Loan-loss reserves1.50%
79th
Texas ratio13.8%
11th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
The Waggoner National Bank of VernonBank Vernon, TX88 out of 100, Very strong$353.7M14.4%0.66%vs
First State Bank of TexasBank Orange, TX39 out of 100, Low$353.6M9.2%2.85%vs
First National Bank in Port LavacaBank Port Lavaca, TX54 out of 100, Below average$361.3M13.0%2.39%vs
Ozona BankBank Ozona, TX79 out of 100, Strong$346.1M12.3%0.00%vs
First National Bank of HerefordBank Hereford, TX84 out of 100, Strong$344.6M12.3%0.05%vs
The National Bank of AndrewsBank Andrews, TX49 out of 100, Below average$340.5M10.1%3.05%vs

Deposit insurance

Is my money safe at First National Bank of Giddings?

Yes. First National Bank of Giddings is an FDIC-insured institution (FDIC certificate #3217). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.3% of deposits ($111.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.18%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

First National Bank of Giddings lists 1 office in 1 city. Most locations:

  • Giddings, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
First National Bank of Giddings
Former names
Allied First National Bank; The First National Bank of Giddings
Type
National bank
FDIC certificate #
3217
RSSD ID
324153
Primary regulator
OCC
Holding company
Giddings Bancshares Inc
Established
January 1, 1890
Headquarters
108 E Austin St, Giddings, TX 78942
Employees
39

Quick answers

First National Bank of Giddings: common questions

Is First National Bank of Giddings FDIC insured?

Yes. First National Bank of Giddings is an FDIC-insured institution (FDIC certificate #3217). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank of Giddings's TellerScore?

57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First National Bank of Giddings ever failed?

There is no failure record for FDIC certificate #3217 in the FDIC failed bank list.

How many branches does First National Bank of Giddings have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Giddings

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens National BankBank Cameron, TX86 out of 100, Very strong$691.8M12.7%0.00%vs
Lcra Credit UnionCredit union Austin, TX83 out of 100, Strong$20.2M16.0%0.41%vs
Fayette Savings Bank, SSBBank La Grange, TX81 out of 100, Strong$551.8M11.0%0.01%vs
Round Top State BankBank Round Top, TX80 out of 100, Strong$974.1M11.9%0.36%vs
Austin Telco Federal Credit UnionCredit union Austin, TX78 out of 100, Strong$2.5B14.0%0.35%vs
The First National Bank of BastropBank Bastrop, TX77 out of 100, Strong$1.2B11.6%0.33%vs