First National Bank of Giddings: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank of Giddings of Giddings, TX against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.25% | 1.34% | -0.09% | 49th below |
| ROAE | 13.53% | 13.32% | +0.21% | 57th above |
| Net Interest Margin | 3.51% | 3.93% | -0.42% | 28th below |
| Efficiency Ratio | 52.90% | 61.13% | -8.23% | 75th top |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.60% | 1.68% | -0.08% | 51st above |
| Yield on Earning Assets | 5.48% | 5.67% | -0.19% | 44th below |
| Cost of Funds | 2.16% | 1.88% | +0.28% | 29th below |
| Net Interest Spread | 2.64% | 3.32% | -0.68% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.03% | 0.94% | +1.09% | 13th bottom |
| NPA / Total Assets | 1.46% | 0.70% | +0.76% | 12th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 47th below |
| ACL / Total Loans | 1.50% | 1.28% | +0.22% | 79th top |
| ACL / NPLs (Coverage) | 74.02% | 1546.68% | -1472.66% | 19th bottom |
| Texas Ratio | 13.79% | 7.33% | +6.46% | 14th bottom |
| Provision / NCO | 0.00% | 1395.60% | -1395.60% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.18% | 12.14% | -0.96% | 53rd above |
| Equity / Assets | 9.70% | 11.37% | -1.67% | 40th below |
| TCE / Tangible Assets | 9.70% | 11.08% | -1.38% | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.08% | 80.66% | +0.42% | 49th below |
| Core Deposit Ratio | 89.37% | 86.85% | +2.52% | 51st above |
| Wholesale Funding Ratio | 1.40% | 5.04% | -3.64% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.84% | 6.84% | -4.00% | 38th below |
| Loan Growth (Y/Y) | 1.96% | 7.92% | -5.96% | 31st below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.52% | 6.29% | -1.77% | 54th above |
See First National Bank of Giddings's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of Giddings, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First National Bank of Giddings profile, how to read a UBPR, or how this data updates.