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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

$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

3.09%Q2 ’243.17%Q2 ’253.21%Q2 ’26+49%+0%

Non-interest income vs. expense

1.27%Q2 ’241.44%Q2 ’251.47%Q2 ’26+13%-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 0.21%, up 23 bps year over year; NIM at 1.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.18%.
  • 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 (quarter, annualized)

0.21%+23 bps YoY

Net Interest Margin (quarter, annualized)

1.56%0 bps YoY

Efficiency Ratio (quarter, annualized)

87.55%-71 bps YoY

Tier 1 Leverage Ratio

11.73%+75 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.02%0.09%0.17%0.27%0.21%+23 bps
Return on Equity-1.91%4.37%5.40%8.31%6.77%+867 bps
Net Interest Margin1.56%1.59%1.68%1.66%1.56%0 bps
Efficiency Ratio88.26%93.49%84.56%82.56%87.55%-71 bps
Non-Interest Burden1.37%1.48%1.41%1.35%1.35%-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 / Loans0.00%0.02%0.01%0.00%-0.18%-18 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