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First National Bank Of Giddings
Giddings, TX · FDIC Certificate #3217 · Chartered 01/0
Total assets
$356.15M
Total deposits
$315.08M
Total equity
$34.56M
Net loans
$251.63M
Branches (offices)
2
Net income (YTD)
$2.35M
Rank: #2,224 of 4,213 U.S. banks by assets · #192 of 346 in Texas. Assets changed 2.8% and deposits 4.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.32% |
| Return on equity | 14.11% |
| Net interest margin (YTD) | 3.50% |
| Equity to assets | 9.70% |
| Tier 1 leverage ratio | 11.18% |
| Uninsured deposits (share of deposits) | 35.3% |
| Noncurrent loans (share of loans) | 2.07% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 79.9% |
| Real estate loans (share of loans) | 86.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $217.82M | 86.6% | |
| Commercial & industrial | $19.60M | 7.8% | |
| Consumer / individual | $6.74M | 2.7% | |
| Construction & development | $22.32M | 8.9% | |
| Agricultural | $6.82M | 2.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $275.34M | $254.66M | $1.47M | $20.04M |
| Jun 2023 | $290.15M | $251.83M | $1.71M | $22.44M |
| Jun 2024 | $315.33M | $283.55M | $1.33M | $25.18M |
| Jun 2025 | $346.33M | $301.46M | $1.92M | $28.34M |
| Jun 2026 | $356.15M | $315.08M | $2.35M | $34.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $315.08M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $315.08M.
Similar-sized banks
Hoosier Heartland State Bank ($356.33M) · Union Bank & Trust Company ($355.77M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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