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First National Bank of Giddings

$100M-$1B Specialty: Agricultural TX FDIC cert 3217

Giddings, TX

2 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

First National Bank of Giddings has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.09% above tier average
  • + Efficiency Ratio 11.77% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.47% below tier average
  • - Delinquency Rate 1.22% above tier average
Get updates when First National Bank of Giddings releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $356.7M
+5.9% YoY -0.2% QoQ
-$29.4M $386.1M
+0.5% YoY
$2.3B
+1.1% YoY
$6.2B
+9.1% YoY
55%
Total Loans ? $252.9M
+6.3% YoY +0.2% QoQ
-$2.8M $255.7M
+1.1% YoY
$1.1B
+10.2% YoY
$3.2B
+10.8% YoY
60%
Total Deposits ? $317.4M
+4.1% YoY +1.2% QoQ
-$10.6M $328.0M
+0.1% YoY
$1.9B
+3.3% YoY
$4.8B
+8.2% YoY
57%
Return on Assets ? 1.36%
+19.8% YoY +20.9% QoQ
+0.09% 1.27%
+12.9% YoY
1.40%
+10.3% YoY
1.23%
+13.4% YoY
59%
Net Interest Margin ? 3.46%
+6.1% YoY +2.1% QoQ
-0.47% 3.93%
+6.0% YoY
4.03%
+2.6% YoY
3.89%
+5.7% YoY
29%
Efficiency Ratio ? 53.52%
-9.9% YoY -4.9% QoQ
-11.77% 65.29%
-4.5% YoY
63.18%
-2.3% YoY
66.95%
-4.1% YoY
77%
Delinquency Rate ? 2.10%
+198.8% YoY -6.0% QoQ
+1.22% 0.89%
+18.8% YoY
0.96%
+36.6% YoY
0.95%
+18.8% YoY
Bottom 11.5% in tier
Loan-to-Deposit Ratio ? 79.69%
+2.1% YoY -1.0% QoQ
+3.05% 76.64%
+0.8% YoY
67.20%
-0.8% YoY
76.70%
+0.9% YoY
47%
Non-Interest-Bearing Deposit Share ? 24.00%
-5.7% YoY -5.5% QoQ
+1.98% 22.02%
-1.0% YoY
29.02%
-1.0% YoY
22.01%
-1.2% YoY
63%
Nonperforming Asset Ratio ? 1.49%
+199.9% YoY -5.5% QoQ
+0.85% 0.64%
+19.7% YoY
0.62%
+31.5% YoY
0.67%
+19.3% YoY
Bottom 11.6% in tier
Tier 1 Capital Ratio ? 10.76%
+3.3% YoY +2.8% QoQ
-5.07% 15.83%
+1.5% YoY
18.04%
+0.0% YoY
17.06%
+0.8% YoY
20%
Non-Interest Income / Assets ? 0.05%
+10.2% YoY -75.6% QoQ
-0.23% 0.28%
+9.3% YoY
0.20%
+4.0% YoY
0.32%
+4.1% YoY
21%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

603
Efficiency Ratio
profitability
Value: 53.52%
Peer Median: 65.29%
#603 of 2664 Top 22.6% in $100M-$1B

Top Weaknesses (4 metrics)

2350
Delinquency Rate
credit_quality
Value: 2.10%
Peer Median: 0.89%
#2350 of 2654 Bottom 11.5% in $100M-$1B
2357
Nonperforming Asset Ratio
credit_quality
Value: 1.49%
Peer Median: 0.64%
#2357 of 2664 Bottom 11.6% in $100M-$1B
2130
Tier 1 Capital Ratio
capital
Value: 10.76%
Peer Median: 15.83%
#2130 of 2664 Bottom 20.1% in $100M-$1B
2103
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.28%
#2103 of 2664 Bottom 21.1% in $100M-$1B
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