BanksFIRST NATIONAL BANK OF GIDDINGS

FIRST NATIONAL BANK OF GIDDINGS

GIDDINGS, TXSmallEst. Jan. 1, 1890, midnightFDIC #3217RSSD #324153OCC
Latest · 2025-12-31

FIRST NATIONAL BANK OF GIDDINGS is an FDIC-insured commercial bank headquartered in GIDDINGS, TX, established in Jan. 1, 1890, midnight. As of 2025-12-31, 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 3.62%. CET1 capital ratio: 9.12%. NPL ratio: 2.11% · Texas Ratio: 14.84%. Operates 2 domestic branches.

Assets
$357M
Deposits
$314M
Loans
$256M
Equity
$33M

Profitability

Return on Assets (ROA)0.82%
Return on Equity (ROE)9.10%
Net Interest Margin3.62%
Yield on Assets5.75%
Cost of Funds2.16%

Asset Quality

NPL Ratio2.11%
Net Charge-Off Ratio-0.07%
Texas Ratio14.84%
NPA Ratio1.51%
ACL / Loans1.51%

Capital & Liquidity

CET1 Ratio9.12%
Tier 1 Capital9.12%
Total Capital Ratio9.57%
Leverage Ratio10.47%
Loan-to-Deposit81.69%

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