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
Unfavorable gap of $6.5M · efficiency ratio beats 39% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.41% | 0.87% | 1.20% | 1.65% | Beats 10% | 189 / 211 | | |
| Return on Equity | 3.96% | 7.52% | 11.67% | 14.58% | Beats 11% | 187 / 211 | | |
| Net Interest Margin | 2.68% | 3.28% | 3.82% | 4.31% | Beats 8% | 195 / 211 | | |
| Efficiency Ratio | 67.41% | 53.01% | 64.18% | 73.65% | Beats 39% | 130 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.39% | 0.01% | 0.30% | 1.10% | Beats 10% | 188 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 66% | 73 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 13.00% | 11.72% | 14.45% | 19.57% | Beats 41% | 125 / 211 | | |
| Total Risk-Based Capital Ratio | 13.00% | 11.94% | 14.78% | 20.30% | Beats 39% | 128 / 211 | | |
| Equity / Assets | 10.39% | 9.41% | 11.06% | 12.94% | Beats 39% | 129 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.93% | 45.39% | 66.56% | 82.03% | 55th pctl | 94 / 208 | | |
| Loans / Assets | 56.14% | 39.13% | 56.90% | 70.46% | 47th pctl | 111 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |