Side-by-side · Q2 2026 data
First National Bank of Giddings vs First National Bank of Hereford
Metric by metric
| Measure | First National Bank of Giddings | First National Bank of Hereford |
|---|---|---|
| TellerScore | 57 | 84 (stronger) |
| Capital cushion | 62 | 73 (stronger) |
| Loan quality | 31 | 98 (stronger) |
| Earnings | 73 | 100 (stronger) |
| Funding & liquidity | 58 (stronger) | 52 |
| Problem-loan coverage | 72 | 99 (stronger) |
| Peer percentile | 14th | 86th |
| Total assets | $356.2M | $344.6M |
| Deposits / shares | $315.1M | $294.4M |
| Capital ratio | 11.18% | 12.32% (stronger) |
| Problem loans | 2.07% | 0.05% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.32% | 2.20% (stronger) |
| Loans ÷ deposits | 79.9% (stronger) | 99.8% |
| Uninsured deposits | 35.3% | 22.8% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.6% |
First National Bank of Hereford has the higher TellerScore (84 vs 57). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Giddings leads on 1 and First National Bank of Hereford on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.