Total Assets
$357M
Total balance-sheet footings
FDIC Cert #3217 · Giddings, Texas · Est. 1890
First National Bank of Giddings - FDIC Bank Health Profile
A community-scale look at First National Bank of Giddings's own numbers, pulled straight from its quarterly FDIC Call Report.
- $357M
- Total assets
- B
- Health grade · Good
- 1.12%
- Return on assets
- 10.5%
- Tier 1 capital
Data updated July 2026
The verdict
First National Bank of Giddings earns a PlainBankData health grade of B (70/100), with well-capitalized at 10.47% Tier 1, profitable at 1.12% ROA, efficient (56% cost ratio).
- #2,249
- largest of 4,313 FDIC banks by assets
- 48th
- percentile by asset size, nationally
- 10.47%
- Tier 1 ratio - above the 10% well-capitalized line
- 52nd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How First National Bank of Giddings's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First National Bank of Giddings's composite health score
Tier 1 Capital Ratio (10.47%) 28/40
Return on Assets (ROA) (1.12%) 20/25
Texas Ratio (15.48%) 10/20
Efficiency Ratio (56.29%) 12/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$314M
Customer-funded liabilities
Net Loans
$252M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First National Bank of Giddings ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank of Giddings's score of 70/100 falls in the highlighted band.
First National Bank of Giddings's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First National Bank of Giddings's $357M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.47% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.47%
Texas Ratio
15.48%
Equity Capital
$33M
Profitability metrics
Return on Assets (ROA)
52nd percentile nationally
1.12%
Return on Equity (ROE)
13.29%
Efficiency Ratio
56.29%
What the numbers say about First National Bank of Giddings
First National Bank of Giddings is an FDIC-insured institution (Certificate #3217) headquartered in Giddings, Texas, established in 1890. It holds $357M in total assets - 2,249th of 4,313 FDIC-insured banks, $314M in customer deposits, and $252M in net loans. Looking at capital strength, Tier 1 stands at 10.47%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 15.48%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (70/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Texas, First National Bank of Giddings ranks 197th of 350 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$18M
Interest Income
$775K
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank of Giddings reports a Texas Ratio of 15.48% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
15.48% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank of Giddings (FDIC Cert #3217) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is First National Bank of Giddings's health grade?▼
First National Bank of Giddings receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First National Bank of Giddings?▼
First National Bank of Giddings holds $357M in total assets and $314M in deposits, ranking 2,249th of 4,313 FDIC-insured banks by asset size. It is headquartered in Giddings, Texas.
Is my money safe at First National Bank of Giddings?▼
Yes, deposits at First National Bank of Giddings (Certificate #3217) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First National Bank of Giddings's Tier 1 Capital Ratio?▼
First National Bank of Giddings has a Tier 1 Capital Ratio of 10.47%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First National Bank of Giddings?▼
First National Bank of Giddings has a Texas Ratio of 15.48%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First National Bank of Giddings?▼
First National Bank of Giddings has an Efficiency Ratio of 56.29%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First National Bank of Giddings's profile as a depositor or analyst.
- First National Bank of Giddings's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First National Bank of Giddings against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.