First National Bank of Giddings: how it compares with its peers
Against 141 TX banks with half to twice its assets, First National Bank of Giddings's strongest measure in Q2 2026 is assets per employee ($9.1M vs. a $6.8M peer median). Its weakest relative measure is net interest margin (3.50% vs. 4.18%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.32% | 1.46% | Middle third Ahead of 40% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.50% | 4.18% | Bottom third Ahead of 23% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.93% | 61.24% | Top third Ahead of 70% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.1M | $6.8M | Top third Ahead of 79% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.86% | 69.23% | Context |
What it means for lending operations
Its efficiency ratio of 53.93% is better than the 61.24% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Waggoner National Bank of Vernon Vernon, TX · $354M
- First State Bank of Texas Orange, TX · $354M
- First National Bank in Port Lavaca Port Lavaca, TX · $361M
- Ozona Bank Ozona, TX · $346M
- First National Bank of Hereford Hereford, TX · $345M
- The National Bank of Andrews Andrews, TX · $341M
Questions about First National Bank of Giddings
How big is First National Bank of Giddings?
First National Bank of Giddings, established in 1890, is headquartered in Giddings, TX. It reported $356M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is First National Bank of Giddings's return on assets?
1.32% annualized in Q2 2026, against a 1.46% median for 141 TX banks with half to twice its assets, ahead of 40% of them.
What is First National Bank of Giddings's efficiency ratio?
53.93% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 61.24%, and lower is better.
Is First National Bank of Giddings growing its loans?
Net loans grew 1.9% over the year to Q2 2026, while deposits grew 4.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.