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First National Bank of Lake Jackson

Lake Jackson, TX · Cert 18895 · Austin Colony Inc.

National charter · OCC · 2 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 the Houston-Pasadena-The Woodlands, TX area3

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 the Houston-Pasadena-The Woodlands, TX area (n=21). 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

60

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

24

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 of Lake Jackson

Lake Jackson, TX · Cert 18895 · Austin Colony Inc.

National charter · OCC · 2 branches

Q2 2026

$218.4MAssets
$49.9MLoans
$211.1MDeposits
$6.4MEquity
Loan mix
80%RE $40.7M18%C&I $9.0M2%Consumer $0.9MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $170.4M19%Noninterest $40.7MQ3 2024Q2 2026

Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.1% share · #64 of 107 inst. · $0.2B of $360.4B

Executive Summary

  • Earnings: ROA of 0.24%, up 29 bps year over year; NIM at 1.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.09%.
  • Capital: tier 1 leverage ratio of 11.73%, up 75 bps from a year ago.
  • Funding: loans stand at 23.65% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.24%+29 bps YoY

Net Interest Margin (YTD, annualized)

1.66%+16 bps YoY

Efficiency Ratio (YTD, annualized)

84.94%-918 bps YoY

Tier 1 Leverage Ratio

11.73%+75 bps YoY

NIM

3.16%Q2 ’243.18%Q2 ’253.27%Q2 ’26+34%+10%

Non-interest income vs. expense

1.31%Q2 ’241.49%Q2 ’251.50%Q2 ’26+14%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.30%-0.26%-0.10%-0.06%0.00%0.04%0.27%0.24%+29 bps
Return on Equity-1368%-696%-21.15%-8.55%-0.26%2.39%8.31%7.57%+1,612 bps
Net Interest Margin1.15%1.20%1.38%1.50%1.63%1.63%1.66%1.66%+16 bps
Efficiency Ratio107.90%107.82%100.33%94.11%93.91%91.50%82.56%84.94%-918 bps
Non-Interest Burden1.24%1.30%1.39%1.41%1.52%1.48%1.35%1.39%-2 bps
Growth
Asset Growth (YoY)0.15%-7.16%-5.72%-4.07%-5.74%-1.45%1.94%-3.60%+48 bps
Loan Growth (YoY)6.23%17.74%26.50%50.10%43.86%51.37%40.19%9.57%-4,054 bps
Deposit Growth (YoY)3.22%5.16%6.51%7.71%-1.48%-4.79%-0.49%-5.49%-1,320 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 / Loans1.21%0.86%0.04%0.02%0.02%0.01%0.00%-0.09%-11 bps
Allowance / Loans1.11%1.10%1.14%1.10%1.11%1.06%1.06%1.07%-3 bps
Allowance Coverage of NPLsn/an/an/a251.5xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.43%10.58%10.52%10.98%12.06%11.98%11.03%11.73%+75 bps
Total Risk-Based Capital42.29%41.23%38.37%35.64%35.91%33.88%34.70%34.94%-70 bps
Equity / Assets2.18%0.10%0.86%1.07%3.09%3.21%3.19%2.95%+188 bps
Liquidity & Funding
Loans / Deposits16.71%15.60%17.72%20.40%24.40%24.80%24.96%23.65%+325 bps
Liquid Assets / Assets9.14%6.81%16.52%17.97%5.10%8.43%11.45%14.21%-376 bps
CRE / Total Capitaln/an/an/an/a134.85%155.64%154.94%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 of Lake Jackson

Lake Jackson, TX · Cert 18895 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21) · Austin Colony Inc.

National charter · OCC · 2 branches

Q2 2026

$218.4MAssets
$49.9MLoans
$211.1MDeposits
$6.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 5 of 21).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 21 of 21).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.23%

Rank 20 of 21

Net Interest Margin

1.66%

Rank 21 of 21

Efficiency Ratio

84.94%

Rank 17 of 21

Equity / Assets

2.95%

Rank 21 of 21

Non-interest income vs. expense

$0.2M$3.4MINCOMEEXPENSE
Unfavorable gap of $3.1M · efficiency ratio beats 24% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 84.94%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.23%0.77%1.16%1.46%Beats 5%20 / 21
Return on Equity7.83%6.66%8.42%15.66%Beats 33%14 / 21
Net Interest Margin1.66%3.50%3.97%4.41%Beats 0%21 / 21
Efficiency Ratio84.94%59.33%68.18%79.00%Beats 24%17 / 21
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.37%1.25%Beats 100%5 / 21
Net Charge-Offs / Loans0.01%n/a0.01%0.05%Beats 43%13 / 21
Capital
Tier 1 Capital Ratio34.17%12.65%15.76%18.38%Beats 90%2 / 21
Total Risk-Based Capital Ratio34.94%12.65%16.68%19.63%Beats 90%2 / 21
Equity / Assets2.95%9.08%11.30%15.80%Beats 0%21 / 21
Liquidity & Funding
Loans / Deposits23.65%64.96%78.30%90.30%0th pctl21 / 21
Loans / Assets22.86%55.83%65.86%74.20%0th pctl21 / 21
Brokered Deposits / Depositsn/aNot reported for this institution