First National Bank of Giddings

Giddings, TX
IDRSSD: 324153
Total Assets
$357.01M
Latest filing
Total Deposits
$306.83M
Latest filing
Net Interest Margin
3.52%
Profitability

Locations

Main office and branches. Select to view on the map.

Open map →
Main Office
First National Bank of Giddings
108 E Austin St
Giddings, TX 78942
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1890FDIC Certificate 2073

Branches (1)

Page 1 of 1
NameAddressCity / State
First National Bank of Giddings (Main)108 E Austin StGiddings, TX
FIRST NATIONAL BANK OF GIDDINGS BRANCH220 N Main StGiddings, 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

Institution Profile

Institution ClassCommercial bank, national (federal) charter, Fed member, and supervised by the OCC
Primary RegulatorOCC
Established Date01/01/1890
Community BankYes
Ownership TypeNot Mutual
ZIP78942
State and County Number48287
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number11
Numeric code3
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameN/A

Operational Info

Number of Employees38
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.fnbgiddings.com
Data Updated11/14/2025
CERT3217
Office of The Comptroller District:
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$357.01M
Total Deposits$306.83M
Total Liabilities$325.52M
Total Equity Capital$31.48M
Net Income$1.23M
Net Loans and Leases$248.13M
Assets Per Employee ($Millions)$9.15M
Bank Premises and Fixed Assets$4.73M
Cash and Balances due from Depository Institutions$15.56M
Deposits Held in Domestic Offices$306.83M

Key Performance Ratios

Return on Assets (ROA)1.4%
Return on Equity (ROE)16.44%
Net Interest Margin3.52%
Efficiency Ratio53.25%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.819%
Earning Assets to total Assets94.88%

Income and Expense

Total Interest Income$4.73M
Total Noninterest Income$206.00k
Total Interest Expense$1.80M
Total Noninterest Expense$1.67M
Net Interest Income$2.93M
Pre-tax Net Operating Income$1.47M
Provision for Credit Losses$0
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$17.00M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$1.70M
Total Liabilities and Capital$357.01M

Securities

Securities$78.21M
Available-for-sale debt securities$78.21M
Equity securities with readily determinable fair values not held for trading$0
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?
$357.01M as of the latest filing.
How much are First National Bank of Giddings's total deposits?
$306.83M in total deposits.
Where is First National Bank of Giddings located?
Giddings, TX.
What is the Net Interest Margin?
3.52%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1890.
What is the Return on Assets (ROA)?
1.4%.
How much are total loans and leases?
$248.13M (latest filing).
What is the total interest income (latest filing)?
$4.73M.