Side-by-side · Q2 2026 data
First National Bank of Giddings vs Ozona Bank
Metric by metric
| Measure | First National Bank of Giddings | Ozona Bank |
|---|---|---|
| TellerScore | 57 | 79 (stronger) |
| Capital cushion | 62 | 73 (stronger) |
| Loan quality | 31 | 100 (stronger) |
| Earnings | 73 (stronger) | 47 |
| Funding & liquidity | 58 | 83 (stronger) |
| Problem-loan coverage | 72 | 100 (stronger) |
| Peer percentile | 14th | 75th |
| Total assets | $356.2M | $346.1M |
| Deposits / shares | $315.1M | $282.8M |
| Capital ratio | 11.18% | 12.31% (stronger) |
| Problem loans | 2.07% | 0.00% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.03% |
| Return on assets | 1.32% (stronger) | 0.68% |
| Loans ÷ deposits | 79.9% | 62.4% (stronger) |
| Uninsured deposits | 35.3% | 28.0% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ozona Bank has the higher TellerScore (79 vs 57). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Giddings leads on 2 and Ozona Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.