Side-by-side · Q2 2026 data
First National Bank of Giddings vs First State Bank of Texas
Metric by metric
| Measure | First National Bank of Giddings | First State Bank of Texas |
|---|---|---|
| TellerScore | 57 (stronger) | 39 |
| Capital cushion | 62 (stronger) | 42 |
| Loan quality | 31 (stronger) | 5 |
| Earnings | 73 (stronger) | 43 |
| Funding & liquidity | 58 | 67 (stronger) |
| Problem-loan coverage | 72 (stronger) | 61 |
| Peer percentile | 14th | 2nd |
| Total assets | $356.2M | $353.6M |
| Deposits / shares | $315.1M | $316.3M |
| Capital ratio | 11.18% (stronger) | 9.20% |
| Problem loans | 2.07% (stronger) | 2.85% |
| Net charge-offs | 0.03% (stronger) | 1.50% |
| Return on assets | 1.32% (stronger) | 0.57% |
| Loans ÷ deposits | 79.9% (stronger) | 81.1% |
| Uninsured deposits | 35.3% | 26.0% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank of Giddings has the higher TellerScore (57 vs 39). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Giddings leads on 6 and First State Bank of Texas on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.