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Letter portraitLegal landscapeQuarterYTD

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