PackageTrendsPeer
Letter portraitLegal landscape

First National Bank in Port Lavaca

Port Lavaca, TX · Cert 17811

National charter · OCC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

40

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

10

Q2 2024Q2 2026peer median (50)

Liquidity

89

Q2 2024Q2 2026peer median

Efficiency

39

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank in Port Lavaca

Port Lavaca, TX · Cert 17811

National charter · OCC · 4 branches

Q2 2026

$361.3MAssets
$202.8MLoans
$294.3MDeposits
$37.5MEquity
Loan mix
91%RE $185.4M5%C&I $10.2M4%Consumer $7.6MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $214.2M27%Noninterest $80.1MQ3 2024Q2 2026

Market Position · Victoria, TX · 2026 SOD (annual) · 1.1% share · #8 of 12 inst. · $0.0B of $2.6B

52.1% Calhoun
1.2% Victoria

Executive Summary

  • Earnings: ROA of 0.40%, down 56 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 2.39% of loans (+67 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.00%, up 80 bps from a year ago.
  • Funding: loans stand at 68.93% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.40%-56 bps YoY

Net Interest Margin (YTD, annualized)

2.68%-10 bps YoY

Efficiency Ratio (YTD, annualized)

67.41%+632 bps YoY

Tier 1 Leverage Ratio

13.00%+80 bps YoY

NIM

4.14%Q2 ’244.20%Q2 ’254.13%Q2 ’26+8%-4%

Non-interest income vs. expense

1.79%Q2 ’241.86%Q2 ’251.99%Q2 ’26+5%+8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.88%0.91%0.96%1.00%0.95%1.02%0.40%-56 bps
Return on Equity11.42%11.28%10.91%11.20%11.21%10.41%10.10%3.96%-724 bps
Net Interest Margin2.51%2.54%2.67%2.78%2.84%2.75%2.65%2.68%-10 bps
Efficiency Ratio63.51%63.28%63.94%61.09%60.87%61.12%65.11%67.41%+632 bps
Non-Interest Burden1.50%1.51%1.61%1.60%1.62%1.58%1.63%1.72%+12 bps
Growth
Asset Growth (YoY)5.23%4.63%-6.74%-4.97%-5.45%0.95%-2.96%-1.38%+360 bps
Loan Growth (YoY)1.97%1.39%0.80%0.61%-3.72%-3.61%-5.67%-7.35%-797 bps
Deposit Growth (YoY)-7.02%-5.23%-5.85%-3.75%-4.24%2.27%-4.25%-2.00%+175 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.00%0.06%1.71%0.00%0.01%0.00%2.39%+67 bps
Net Charge-Offs / Loans0.01%0.01%-0.03%-0.01%-0.01%-0.01%0.01%0.00%+2 bps
Allowance / Loans0.76%0.78%0.78%0.82%0.82%0.93%0.86%1.30%+48 bps
Allowance Coverage of NPLs11.2xn/a13.8x0.5xn/a129.1xn/a0.5x+0.1x
Capital
Tier 1 Leverage Ratio11.39%11.35%11.97%12.20%12.79%12.36%12.91%13.00%+80 bps
Total Risk-Based Capital11.39%11.35%11.97%12.20%12.79%12.36%12.91%13.00%+80 bps
Equity / Assets8.58%7.94%8.80%9.11%9.96%9.81%10.45%10.39%+128 bps
Liquidity & Funding
Loans / Deposits70.37%70.40%71.49%72.91%70.75%66.36%70.43%68.93%-398 bps
Liquid Assets / Assets6.63%6.93%5.47%4.81%7.52%12.46%9.23%10.70%+589 bps
CRE / Total Capitaln/an/an/an/a139.65%141.58%136.68%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank in Port Lavaca

Port Lavaca, TX · Cert 17811 · Peer group: banks under $1B in assets in TX (n=208-211)

National charter · OCC · 4 branches

Q2 2026

$361.3MAssets
$202.8MLoans
$294.3MDeposits
$37.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 66% of banks under $1B in assets in TX (rank 73 of 208).
  • Widest gap: net interest margin trails 92% of banks under $1B in assets in TX (rank 195 of 211).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.41%

Rank 189 of 211

Net Interest Margin

2.68%

Rank 195 of 211

Efficiency Ratio

67.41%

Rank 130 of 211

Equity / Assets

10.39%

Rank 129 of 211

Non-interest income vs. expense

$1.0M$7.5MINCOMEEXPENSE
Unfavorable gap of $6.5M · efficiency ratio beats 39% of banks under $1B in assets in TX
Bank 67.41%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.41%0.87%1.20%1.65%Beats 10%189 / 211
Return on Equity3.96%7.52%11.67%14.58%Beats 11%187 / 211
Net Interest Margin2.68%3.28%3.82%4.31%Beats 8%195 / 211
Efficiency Ratio67.41%53.01%64.18%73.65%Beats 39%130 / 211
Asset Quality
Nonperforming Loans / Loans2.39%0.01%0.30%1.10%Beats 10%188 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 66%73 / 208
Capital
Tier 1 Capital Ratio13.00%11.72%14.45%19.57%Beats 41%125 / 211
Total Risk-Based Capital Ratio13.00%11.94%14.78%20.30%Beats 39%128 / 211
Equity / Assets10.39%9.41%11.06%12.94%Beats 39%129 / 211
Liquidity & Funding
Loans / Deposits68.93%45.39%66.56%82.03%55th pctl94 / 208
Loans / Assets56.14%39.13%56.90%70.46%47th pctl111 / 211
Brokered Deposits / Depositsn/aNot reported for this institution