FIRST NATIONAL BANK OF LAKE JACKSON

LAKE JACKSON, TX | Small | Est. Sept. 26, 1963, midnight | FDIC #18895 | RSSD #560353 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF LAKE JACKSON is asn small FDIC-insured commercial bank headquartered in LAKE JACKSON, TX, established in Sept. 26, 1963, midnight. As of 2025-12-31, the bank reported total assets of $212M and total deposits of $204M. Profitability stands at 0.22% ROA and 6.85% ROE, with a net interest margin of 1.96%. The bank's CET1 capital ratio is 33.12%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #18895.

Assets

$212M

Deposits

$204M

Loans

$51M

Equity

$7M

Profitability

Return on Assets (ROA) 0.22%
Return on Equity (ROE) 6.85%
Net Interest Margin (NIM) 1.96%
Yield on Assets 3.73%
Cost of Funds 1.69%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 33.12%
Tier 1 Capital 33.12%
Total Capital Ratio 33.88%
Leverage Ratio 11.98%
Loan-to-Deposit 24.80%

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