Side-by-side · Q2 2026 data
First National Bank of Giddings vs The National Bank of Andrews
Metric by metric
| Measure | First National Bank of Giddings | The National Bank of Andrews |
|---|---|---|
| TellerScore | 57 (stronger) | 49 |
| Capital cushion | 62 (stronger) | 51 |
| Loan quality | 31 (stronger) | 0 |
| Earnings | 73 | 100 (stronger) |
| Funding & liquidity | 58 (stronger) | 52 |
| Problem-loan coverage | 72 (stronger) | 58 |
| Peer percentile | 14th | 6th |
| Total assets | $356.2M | $340.5M |
| Deposits / shares | $315.1M | $298.2M |
| Capital ratio | 11.18% (stronger) | 10.11% |
| Problem loans | 2.07% (stronger) | 3.05% |
| Net charge-offs | 0.03% (stronger) | 0.27% |
| Return on assets | 1.32% | 2.71% (stronger) |
| Loans ÷ deposits | 79.9% | 73.4% (stronger) |
| Uninsured deposits | 35.3% (stronger) | 46.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank of Giddings has the higher TellerScore (57 vs 49). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Giddings leads on 5 and The National Bank of Andrews on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.