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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