PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $0.9MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $170.4M19%Noninterest $40.7MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.06%0.00%0.04%0.27%0.24%+29 bps
Return on Equity-8.55%-0.26%2.39%8.31%7.57%+1,612 bps
Net Interest Margin1.50%1.63%1.63%1.66%1.66%+16 bps
Efficiency Ratio94.11%93.91%91.50%82.56%84.94%-918 bps
Non-Interest Burden1.41%1.52%1.48%1.35%1.39%-2 bps
Growth
Asset Growth (YoY)-4.07%-5.74%-1.45%1.94%-3.60%+48 bps
Loan Growth (YoY)50.10%43.86%51.37%40.19%9.57%-4,054 bps
Deposit Growth (YoY)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 bps
Net Charge-Offs / Loans0.02%0.02%0.01%0.00%-0.09%-11 bps
Allowance / Loans1.10%1.11%1.06%1.06%1.07%-3 bps
Allowance Coverage of NPLs251.5xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.98%12.06%11.98%11.03%11.73%+75 bps
Total Risk-Based Capital35.64%35.91%33.88%34.70%34.94%-70 bps
Equity / Assets1.07%3.09%3.21%3.19%2.95%+188 bps
Liquidity & Funding
Loans / Deposits20.40%24.40%24.80%24.96%23.65%+325 bps
Liquid Assets / Assets17.97%5.10%8.43%11.45%14.21%-376 bps
CRE / Total Capitaln/a134.85%155.64%154.94%n/an/a