First National Bank of Giddings: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 1.63 percentage points in Q2 2026, from 72.39% to 74.02%. It was the largest change from Q1 2026 among the key lines here. Within Texas, First National Bank of Giddings is 217th of 345 on return on assets, 1.25% as of Q2 2026, below the middle of the field. At 1.25%, First National Bank of Giddings's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.18% |
| Equity capital to assets | 9.70% |
| Tangible equity to tangible assets | 9.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.03% |
| Non-performing assets ratio | 1.46% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 13.79% |
| Allowance for credit losses to loans | 1.50% |
| Reserve coverage of non-performing loans | 74.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.25% |
| Return on equity | 13.53% |
| Net interest margin | 3.51% |
| Efficiency ratio | 52.90% |
| Yield on earning assets | 5.48% |
| Cost of funds | 2.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.08% |
| Core deposits to total deposits | 89.37% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.47% |
| Securities to assets | 21.05% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.65% | 0.89% | 2.79% | 0.37% | -0.09% |
| Q4 2023 | 10.43% | 0.31% | 2.69% | 0.43% | 0.30% |
| Q1 2024 | 10.44% | 0.85% | 2.74% | 0.46% | -0.21% |
| Q2 2024 | 10.47% | 0.80% | 2.80% | 0.61% | -0.32% |
| Q3 2024 | 10.60% | 0.94% | 3.02% | 0.74% | 0.31% |
| Q4 2024 | 10.40% | 1.17% | 3.17% | 0.67% | -0.13% |
| Q1 2025 | 10.42% | 1.09% | 3.20% | 0.66% | -0.07% |
| Q2 2025 | 10.54% | 1.11% | 3.19% | 3.17% | -0.01% |
| Q3 2025 | 10.63% | 1.36% | 3.48% | 3.18% | -0.20% |
| Q4 2025 | 10.47% | 0.80% | 3.46% | 2.11% | 0.02% |
| Q1 2026 | 10.76% | 1.32% | 3.40% | 2.07% | 0.06% |
| Q2 2026 | 11.18% | 1.25% | 3.51% | 2.03% | 0.00% |
First National Bank of Giddings vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Giddings, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)