First National Bank of Giddings: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 9.70 percentage points in Q2 2026, from 99.95% to 90.25%. It was the largest change from Q1 2026 among the key lines here. First National Bank of Giddings ranks 123rd of 346 Texas banks on loan-to-deposit ratio, in the upper half at 81.08% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; First National Bank of Giddings reported 81.08% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $255.5M |
| Net loans and leases | $251.6M |
| Loans held for sale | $0 |
| Loans to total assets | 71.73% |
| Loan-to-deposit ratio | 81.08% |
| Net loans to equity capital | 7.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.48% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.66% |
| Consumer | 2.63% |
| Credit cards | 0.00% |
| Farm | 25.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.83% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 90.25% |
| Construction concentration (Tier 1 capital + allowance) | 50.14% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.39% |
| Interest income on loans | $4.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $199.0M | $260.3M | 13.49% | 7.77% | 2.66% |
| Q4 2023 | $202.5M | $270.5M | 13.64% | 7.66% | 2.77% |
| Q1 2024 | $205.6M | $278.0M | 13.27% | 7.86% | 2.77% |
| Q2 2024 | $218.4M | $283.5M | 13.80% | 8.37% | 3.05% |
| Q3 2024 | $220.8M | $286.2M | 13.62% | 7.18% | 2.79% |
| Q4 2024 | $238.2M | $292.0M | 16.44% | 6.77% | 2.61% |
| Q1 2025 | $241.4M | $304.8M | 16.86% | 7.87% | 2.52% |
| Q2 2025 | $250.5M | $301.5M | 16.01% | 7.78% | 2.66% |
| Q3 2025 | $251.8M | $306.8M | 17.97% | 7.99% | 2.75% |
| Q4 2025 | $256.2M | $313.6M | 17.81% | 8.05% | 2.67% |
| Q1 2026 | $256.7M | $317.4M | 18.86% | 7.86% | 2.57% |
| Q2 2026 | $255.5M | $315.1M | 17.48% | 7.66% | 2.63% |
First National Bank of Giddings loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Giddings, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First National Bank of Giddings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3217) · FFIEC NIC profile (RSSD 324153)