First National Bank of Giddings
Also written as FNB of Giddings
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Giddings is an FDIC-insured commercial bank headquartered in Giddings, TX, established in 1890 (FDIC certificate 3217), and it is supervised by the OCC. At Q2 2026 it reported total assets of $356.2M, up 2.8% from Q2 2025, the 192nd largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.18% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3217
- Headquarters
- Giddings, TX
- Established
- 1890
- Total assets, Q2 2026
- $356.2M
- Assets vs Q2 2025
- +2.8%
- Tier 1 leverage ratio, Q2 2026
- 11.18%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 113104712
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Giddings call report
- Holding company
- GIDDINGS BANCSHARES, INC.
- Asset rank in state
- 192nd of 346 in Texas
First National Bank of Giddings, based in Giddings, Texas, reported $356 million in assets at June 30, 2026, up 2.8% from a year earlier. It carries problem assets equal to 13.8% of the capital and reserves that would absorb them, 5.2 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets.
Net income for the quarter rose 16% from a year earlier, to $1.1 million. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.07% of loans from 1.94% a year earlier.
As of June 30, 2026, First National Bank of Giddings reported a return on assets of 1.25%, a nonperforming-loan ratio of 2.07% and a Texas ratio of 13.79%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First National Bank of Giddings is the 192nd largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets fell 0.2% to $356.2M, loans fell 0.5% and deposits fell 0.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 33.7% of total loans, ahead of farmland and other real estate loans at 25.3%. The FDIC Summary of Deposits lists 2 offices for it, in Giddings, TX. Judged on its Q2 2026 call report, First National Bank of Giddings meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 108 E Austin St, Giddings, TX 78942
- County
- Lee
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1890
- Former names
- Allied First National Bank (1982-1984)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 39
- Domestic deposits
- $315.1M
- Allowance for credit losses
- $3.8M
- Net charge-offs (YTD)
- $40K
- Average total assets
- $363.9M
- Average total loans
- $256.5M
- Average interest-bearing deposits
- $239.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3217
- Fed RSSD
- 324153
- Website
- www.fnbgiddings.com →
- Parent Holding Company
- GIDDINGS BANCSHARES, INC. (RSSD 1110193)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First National Bank of Giddings reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First National Bank of Giddings's total assets ran between $294.4M (Q3 2023) and $357.5M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$356.2M total assets against $346.3M; $321.6M total liabilities against $318.0M.
$251.6M net loans and leases against $247.0M; $315.1M total deposits against $301.5M.
$75.0M securities against $76.9M; $13.9M cash and balances due against $6.8M.
$4.7M total interest income against $4.4M; $1.7M total interest expense against $1.8M.
$3.0M net interest income against $2.6M.
$197K total noninterest income against $187K; $1.7M total noninterest expense against $1.6M.
$0 provision for credit losses against $0.
$1.1M net income against $976K.
1.25% return on assets against 1.11%; 3.51% net interest margin against 3.19%.
11.18% tier 1 leverage ratio against 10.54%.
Inside the full First National Bank of Giddings terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank of Giddings rankings
Its closest position to the top of a national ranking is 367 of 3,640, for Texas Ratio; its furthest is 2,215 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.80% (Q4 2025) to 1.36% (Q3 2025) and its net interest margin ran from 3.02% (Q3 2024) to 3.51% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.18% | 1.25% | 2.07% | 13.79% | 3.51% |
| Q1 2026 | 10.76% | 1.32% | 2.07% | 14.57% | 3.40% |
| Q4 2025 | 10.47% | 0.80% | 2.20% | 15.48% | 3.46% |
| Q3 2025 | 10.63% | 1.36% | 1.90% | 13.62% | 3.48% |
| Q2 2025 | 10.54% | 1.11% | 1.94% | 15.29% | 3.19% |
| Q1 2025 | 10.42% | 1.09% | 0.69% | 5.41% | 3.20% |
| Q4 2024 | 10.40% | 1.17% | 0.69% | 5.52% | 3.17% |
| Q3 2024 | 10.60% | 0.94% | 0.74% | 5.23% | 3.02% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First National Bank of Giddings (main office) | Giddings , TX | 78942 | $315.1M |
| First National Bank of Giddings Branch | Giddings , TX | 78942 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 233 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $95K approved, $95K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 Q2 2026 filing, First National Bank of Giddings reported total assets of $356.2 million in its FFIEC call report.
Where is First National Bank of Giddings headquartered?
It is headquartered in Giddings, TX, United States.
When was First National Bank of Giddings founded?
It was established in 1890, per the FDIC institution directory.
Is First National Bank of Giddings FDIC-insured?
Yes. It 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.
How many branches does First National Bank of Giddings operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank of Giddings's Texas Ratio?
Its Texas Ratio is 13.79% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First National Bank of Giddings previously called?
The charter now named First National Bank of Giddings has also operated as Allied First National Bank (1982-1984), per FDIC structure-change records.
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