First National Bank of Giddings
Giddings, TX
IDRSSD: 324153
Total Assets
$357.49M
Latest filing
Total Deposits
$313.58M
Latest filing
Net Interest Margin
3.51%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
113104712GIDDINGS, TX
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank of Giddings
108 E Austin St
Giddings, TX 78942
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1890FDIC Certificate 2073
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First National Bank of Giddings (Main) | 108 E Austin St | Giddings, TX |
| FIRST NATIONAL BANK OF GIDDINGS BRANCH | 220 N Main St | Giddings, TX |
Showing 1 of 1
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
First State Bank of Texas
Orange, Texas
→
Assets: $357.20MΔ +0.1%
First State Bank
Stratford, Texas
→
Assets: $351.21MΔ -1.6%
West Texas State Bank
Snyder, Texas
→
Assets: $363.87MΔ +1.9%
TrustTexas Bank, SSB
Cuero, Texas
→
Assets: $363.92MΔ +1.9%
HomeBank Texas
Seagoville, Texas
→
Assets: $364.74MΔ +2.2%
Gilmer National Bank, Gilmer, Texas
Gilmer, Texas
→
Assets: $364.84MΔ +2.2%
Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1890 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78942 |
| State and County Number | 48287 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 39 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnbgiddings.com |
| Data Updated | 01/30/2026 |
| CERT | 3217 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $357.49M |
| Total Deposits | $313.58M |
| Total Liabilities | $324.90M |
| Total Equity Capital | $32.59M |
| Net Income | $729.00k |
| Net Loans and Leases | $252.29M |
| Assets Per Employee ($Millions) | $8.72M |
| Bank Premises and Fixed Assets | $4.76M |
| Cash and Balances due from Depository Institutions | $11.98M |
| Deposits Held in Domestic Offices | $313.58M |
Key Performance Ratios
| Return on Assets (ROA) | 0.82% |
| Return on Equity (ROE) | 9.1% |
| Net Interest Margin | 3.51% |
| Efficiency Ratio | 54.92% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.34% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.116% |
| Earning Assets to total Assets | 94.93% |
Income and Expense
| Total Interest Income | $4.72M |
| Total Noninterest Income | $220.00k |
| Total Interest Expense | $1.75M |
| Total Noninterest Expense | $1.75M |
| Net Interest Income | $2.97M |
| Pre-tax Net Operating Income | $1.14M |
| Provision for Credit Losses | $300.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $10.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.32M |
| Total Liabilities and Capital | $357.49M |
Securities
| Securities | $77.86M |
| Available-for-sale debt securities | $77.86M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank of Giddings?
$357.49M as of the latest filing.
How much are First National Bank of Giddings's total deposits?
$313.58M in total deposits.
Where is First National Bank of Giddings located?
Giddings, TX.
What is the Net Interest Margin?
3.51%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1890.
What is the Return on Assets (ROA)?
0.82%.
How much are total loans and leases?
$252.29M (latest filing).
What is the total interest income (latest filing)?
$4.72M.