☰

Home›
Banks›
FNB of Giddings

iAdvertiser Disclosure

FNB of Giddings Rates & Review October 2026

Q: How many branches does FNB of Giddings operate?

FNB of Giddings currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, FNB of Giddings does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, FNB of Giddings provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 18, 2026

FNB of Giddings rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.89%, 6-month CD rates at 2.71% and 3-month CD rates at 2.53%. Savings rates are at 0.91% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.39%. These rates come from our rate database, not FNB of Giddings, and you can see how they compare in the FNB of Giddings rate tables below. MonitorBankRates evaluates the financial stability of FNB of Giddings with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.32%. Database rates last updated and verified on 10/18/2026.

FNB of Giddings money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at FNB of Giddings? Share your experience about FNB of Giddings by leaving a review below, or read customer reviews before you decide to use FNB of Giddings.

Overall Health & Safety Grade

A-

Very Good Health Score: 92/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

15.32%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

FNB of Giddings

108 E Austin St
Giddings, TX 78942

https://www.fnbgiddings.com

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Current Rate Availability

We're not currently displaying rates for FNB of Giddings, but our database is updated constantly, so check back soon for the latest offers.

Are you with FNB of Giddings? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Financial Health History

FNB of Giddings’s Texas Ratio rose from 3.58% in Q3 2023 to 15.32% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 4.7 to 5.0 and its Health Grade from A to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$356M	15.32%	5.0	A-
March 31, 2026	$357M	16.28%	4.9	A-
December 31, 2025	$357M	17.33%	4.8	B+
September 30, 2025	$357M	15.20%	5.0	A-
June 30, 2025	$346M	17.18%	4.8	B+
March 31, 2025	$337M	6.09%	5.0	A
December 31, 2024	$332M	6.29%	5.0	A
September 30, 2024	$326M	5.85%	5.0	A+
June 30, 2024	$315M	5.60%	5.0	A+
March 31, 2024	$314M	4.99%	5.0	A+
December 31, 2023	$306M	4.37%	5.0	A+
September 30, 2023	$294M	3.58%	4.7	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for FNB of Giddings is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather FNB of Giddings rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with FNB of Giddings's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name FNB of Giddings

Website https://www.fnbgiddings.com

Address 108 E Austin St, Giddings, TX 78942 · Lee

Bank Holding Company GIDDINGS BANCSHARES INC

FDIC Certificate # 3217

Regulator OCC

Established January 1, 1890

FDIC Insurance Date January 1, 1934

Domestic Offices 2

Total Branches 2

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A- (92/100)

Texas Ratio

15.32%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.3162%

Return on Equity (ROE)

14.1100%

Non-Performing Loans Ratio (NPL)

1.49%

Total Assets

$356,153,000

Total Deposits

$315,085,000

Equity Capital

$34,562,000

Net Income

$2,348,000

Headquarters

Giddings

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Customer Reviews

There are no reviews for FNB of Giddings yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for FNB of Giddings

Frequently Asked Questions About FNB of Giddings

How many branches does FNB of Giddings operate?

FNB of Giddings currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, FNB of Giddings does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, FNB of Giddings provides members with tools to manage their accounts and build a solid financial history.

Does FNB of Giddings offer online and mobile banking?

Most modern institutions like FNB of Giddings provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fnbgiddings.com.