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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