Side-by-side · Q2 2026 data
First National Bank of Giddings vs Round Top State Bank
Metric by metric
| Measure | First National Bank of Giddings | Round Top State Bank |
|---|---|---|
| TellerScore | 57 | 80 (stronger) |
| Capital cushion | 62 | 69 (stronger) |
| Loan quality | 31 | 88 (stronger) |
| Earnings | 73 (stronger) | 71 |
| Funding & liquidity | 58 | 87 (stronger) |
| Problem-loan coverage | 72 | 96 (stronger) |
| Peer percentile | 14th | 77th |
| Total assets | $356.2M | $974.1M |
| Deposits / shares | $315.1M | $870.3M |
| Capital ratio | 11.18% | 11.94% (stronger) |
| Problem loans | 2.07% | 0.36% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.32% (stronger) | 1.26% |
| Loans ÷ deposits | 79.9% | 68.3% (stronger) |
| Uninsured deposits | 35.3% | 19.6% (stronger) |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.1% |
Round Top State Bank has the higher TellerScore (80 vs 57). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Giddings leads on 1 and Round Top State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Giddings, TX