FIRST NATIONAL BANK OF GIDDINGS
FIRST NATIONAL BANK OF GIDDINGS is an FDIC-insured commercial bank headquartered in GIDDINGS, TX, established in 1890. As of , the bank reported total assets of $357M and total deposits of $314M. Profitability stands at 0.82% ROA and 9.10% ROE, with a net interest margin of 3.38%. CET1 capital ratio: 9.12%. NPL ratio: 2.11% · Texas Ratio: 14.84%. Operates 2 domestic branches.
Capital & Liquidity
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First National Bank of Giddings rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 9.12% | 0.82% | 2.11% | 14.84% | 3.38% |
| 2025-09-30 | 8.82% | 1.40% | 3.18% | 22.78% | 3.38% |
| 2025-06-30 | 8.18% | 1.14% | 3.17% | 24.97% | 3.10% |
| 2025-03-31 | 8.16% | 1.13% | 0.66% | 5.12% | 3.10% |
| 2024-12-31 | 7.84% | 1.21% | 0.67% | 5.36% | 3.08% |
| 2024-09-30 | 8.54% | 0.96% | 0.74% | 5.22% | 2.92% |
| 2024-06-30 | 7.99% | 0.82% | 0.61% | 4.61% | 2.70% |
| 2024-03-31 | 7.90% | 0.88% | 0.46% | 3.37% | 2.64% |
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Frequently asked about FIRST NATIONAL BANK OF GIDDINGS
What are First National Bank of Giddings's total assets?
As of the Q4 2025 filing, First National Bank of Giddings reported total assets of $357.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank of Giddings headquartered?
First National Bank of Giddings is headquartered in GIDDINGS, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First National Bank of Giddings founded?
First National Bank of Giddings was established in 1890, per the FDIC institution directory.
Is First National Bank of Giddings FDIC-insured?
Yes. First National Bank of Giddings is an FDIC-insured commercial bank (FDIC Certificate #3217). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of Giddings?
First National Bank of Giddings's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First National Bank of Giddings's CET1 capital ratio?
First National Bank of Giddings reported a Common Equity Tier 1 (CET1) capital ratio of 9.12% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does First National Bank of Giddings operate?
First National Bank of Giddings operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First National Bank of Giddings's Texas Ratio?
First National Bank of Giddings's Texas Ratio is 14.84% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.