Bank Comparison
First National Bank of Giddings vs Texana Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bank of Giddings | Texana Bank, N.A. |
|---|---|---|
| CET1 Ratio | — | 10.33% |
| Tier 1 Capital Ratio | — | 10.33% |
| Total Capital Ratio | — | 11.56% |
| Tier 1 Leverage Ratio | 10.76% | 9.02% |
| Equity / Assets | 9.16% | 8.41% |
Profitability
| Metric | First National Bank of Giddings | Texana Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.32% | 1.25% |
| Return on Equity (ROE) | 14.84% | 14.10% |
| Net Interest Margin (NIM) | 3.40% | 4.06% |
| Yield on Earning Assets | 5.37% | 6.16% |
| Cost of Funds | 2.17% | 2.16% |
Asset quality
| Metric | First National Bank of Giddings | Texana Bank, N.A. |
|---|---|---|
| Texas Ratio | 14.57% | 15.22% |
| Non-Performing Loan Ratio | 2.07% | 1.49% |
| Non-Performing Asset Ratio | 1.49% | 1.41% |
| Net Charge-Off Ratio | 0.06% | -0.05% |
| ACL / Loans | 1.50% | 1.08% |
Balance sheet
| Metric | First National Bank of Giddings | Texana Bank, N.A. |
|---|---|---|
| Total Assets | $356,696K | $352,752K |
| Total Deposits | $317,356K | $279,893K |
| Total Loans | $256,737K | $327,550K |
| Total Equity | $32,691K | $29,668K |
| Net Income (quarter) | $1,211K | $1,028K |
Liquidity & funding
| Metric | First National Bank of Giddings | Texana Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 80.90% | 117.03% |
| Core Deposit Ratio | 90.00% | 73.14% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Giddings | Texana Bank, N.A. |
|---|---|---|
| Headquarters City | GIDDINGS | LINDEN |
| Headquarters State | TX | TX |
| Asset Tier | Small | Small |
| Charter Class | 4410 | 10476 |
| Regulator | OCC | OCC |
| Domestic Branches | 2 | 7 |
| Employees (FTE) | 38 | 398 |
| Established | Jan. 1, 1890, midnight | Jan. 1, 1914, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full First National Bank of Giddings profile | View full Texana Bank, N.A. profile | Browse all bank comparisons