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First National Bank of Alvin

Alvin, TX · Cert 18282

FDIC · 2 branches

Q4 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area3

Basis

Quarter: Q4 2024, the quarter ended December 31, 2024, 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 the Houston-Pasadena-The Woodlands, TX area (n=26 to 27). 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

12

Q2 2024Q4 2024peer median (50)

Asset Quality

82

Q2 2024Q4 2024peer median (50)

Profitability

24

Q2 2024Q4 2024peer median (50)

Liquidity

0

Q2 2024Q4 2024peer median

Efficiency

30

Q2 2024Q4 2024peer 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 of Alvin

Alvin, TX · Cert 18282

FDIC · 2 branches

Q4 2024

$162.7MAssets
$23.3MLoans
$156.6MDeposits
$5.5MEquity
Loan mix
86%RE $15.8M12%C&I $2.3M1%Consumer $0.2MQ1 2023Q4 2024
Deposit mix
58%Interest-bearing $91.1M42%Noninterest $65.5MQ1 2023Q4 2024

Market Position · Houston-Pasadena-The Woodlands, TX · 2024 SOD (annual) · 0.0% share · #71 of 108 inst. · $0.1B of $314.4B

Executive Summary

  • Earnings: ROA of 0.27%, down 14 bps year over year; NIM at 1.90%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.41%, up 20 bps from a year ago.
  • Funding: loans stand at 14.86% of deposits as of Q4 2024.

Return on Assets (YTD, annualized)

0.27%-14 bps YoY

Net Interest Margin (YTD, annualized)

1.90%+24 bps YoY

Efficiency Ratio (YTD, annualized)

84.45%+1,114 bps YoY

Tier 1 Leverage Ratio

11.41%+20 bps YoY

NIM

1.95%Q4 ’222.79%Q4 ’233.03%Q4 ’24-1%+15%

Non-interest income vs. expense

1.29%Q4 ’221.46%Q4 ’231.78%Q4 ’24+5%+39%

Year to date, annualized, through each quarter.

MetricQ1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024YoY ΔTrend
Earnings
Return on Assets0.47%0.43%0.37%0.42%0.49%0.49%0.44%0.27%-14 bps
Return on Equity22.24%19.49%21.86%19.93%14.28%14.26%10.85%7.01%-1,292 bps
Net Interest Margin1.57%1.59%1.62%1.66%1.76%1.83%1.86%1.90%+24 bps
Efficiency Ratio69.55%72.03%75.12%73.31%70.99%70.97%74.31%84.45%+1,114 bps
Non-Interest Burden1.03%1.08%1.16%1.13%1.19%1.24%1.33%1.57%+44 bps
Growth
Asset Growth (YoY)-4.73%-8.86%-10.25%-7.58%-6.39%-7.59%3.11%1.09%+868 bps
Loan Growth (YoY)14.76%10.20%12.38%-3.42%-3.34%-11.47%-8.96%-0.69%+273 bps
Deposit Growth (YoY)-2.06%-8.71%-13.04%-9.59%-6.81%-8.74%-0.78%1.41%+1,100 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.00%0.00%0.00%0.00%0.00%0.00%0.01%+1 bps
Allowance / Loans1.11%1.11%1.09%1.16%1.17%1.28%1.21%1.08%-9 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.52%9.82%10.61%11.21%10.48%10.88%11.22%11.41%+20 bps
Total Risk-Based Capital9.52%9.82%10.61%11.21%10.48%10.88%11.22%11.41%+20 bps
Equity / Assets2.69%2.35%0.06%3.67%3.17%3.55%5.88%3.37%-30 bps
Liquidity & Funding
Loans / Deposits14.54%14.93%17.49%15.17%15.09%14.49%16.05%14.86%-31 bps
Liquid Assets / Assets10.43%11.17%3.00%12.87%16.62%15.99%12.69%24.76%+1,188 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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 of Alvin

Alvin, TX · Cert 18282 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=26-27)

FDIC · 2 branches

Q4 2024

$162.7MAssets
$23.3MLoans
$156.6MDeposits
$5.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 8 of 27).
  • Widest gap: total risk-based capital ratio trails 89% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 24 of 27).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.27%

Rank 22 of 27

Net Interest Margin

1.90%

Rank 24 of 27

Efficiency Ratio

84.45%

Rank 20 of 27

Equity / Assets

3.37%

Rank 23 of 27

Non-interest income vs. expense

$0.3M$2.9MINCOMEEXPENSE
Unfavorable gap of $2.5M · efficiency ratio beats 30% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 84.45%Peer median 74.7%Q2 2024Q4 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.27%0.37%1.03%1.49%Beats 19%22 / 27
Return on Equity7.88%4.82%9.12%14.71%Beats 42%15 / 26
Net Interest Margin1.90%2.36%3.18%4.47%Beats 11%24 / 27
Efficiency Ratio84.45%55.69%74.74%90.88%Beats 30%20 / 27
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.11%0.53%Beats 100%8 / 27
Net Charge-Offs / Loans0.01%0.00%0.02%0.24%Beats 63%11 / 27
Capital
Tier 1 Capital Ratio11.41%12.38%15.59%19.52%Beats 11%24 / 27
Total Risk-Based Capital Ratio11.41%12.38%15.59%20.20%Beats 11%24 / 27
Equity / Assets3.37%6.82%10.13%13.56%Beats 15%23 / 27
Liquidity & Funding
Loans / Deposits14.86%39.37%76.58%94.47%0th pctl27 / 27
Loans / Assets14.30%37.84%67.75%78.47%0th pctl27 / 27
Brokered Deposits / Depositsn/aNot reported for this institution