Bank Comparison
First National Bank of Lake Jackson vs Valley Bank of Ronan
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 7
winning metrics across 16 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | First National Bank of Lake Jackson | Valley Bank of Ronan |
|---|---|---|
| CET1 Ratio | 34.17% | 12.81% |
| Tier 1 Capital Ratio | 34.17% | 12.81% |
| Total Capital Ratio | 34.94% | 14.06% |
| Tier 1 Leverage Ratio | 11.73% | 9.29% |
| Equity / Assets | 2.95% | 9.22% |
Profitability
| Metric | First National Bank of Lake Jackson | Valley Bank of Ronan |
|---|---|---|
| Return on Assets (ROA) | 0.25% | 0.91% |
| Return on Equity (ROE) | 8.62% | 9.77% |
| Net Interest Margin (NIM) | 1.59% | 4.51% |
| Yield on Earning Assets | 3.26% | 5.86% |
| Cost of Funds | 1.63% | 1.40% |
Asset quality
| Metric | First National Bank of Lake Jackson | Valley Bank of Ronan |
|---|---|---|
| Texas Ratio | 0.00% | 6.79% |
| Non-Performing Loan Ratio | 0.00% | 1.01% |
| Non-Performing Asset Ratio | 0.00% | 0.69% |
| Net Charge-Off Ratio | -0.18% | 0.12% |
| ACL / Loans | 1.07% | 1.53% |
Balance sheet
| Metric | First National Bank of Lake Jackson | Valley Bank of Ronan |
|---|---|---|
| Total Assets | $218.4M | $218.1M |
| Total Deposits | $211.1M | $197.6M |
| Total Loans | $49.9M | $150.4M |
| Total Equity | $6.4M | $20.1M |
| Net Income (quarter) | $142K | $485K |
Liquidity & funding
| Metric | First National Bank of Lake Jackson | Valley Bank of Ronan |
|---|---|---|
| Loan-to-Deposit Ratio | 23.65% | 76.09% |
| Core Deposit Ratio | 96.75% | 85.58% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Lake Jackson | Valley Bank of Ronan |
|---|---|---|
| Headquarters City | Lake Jackson | Ronan |
| Headquarters State | TX | MT |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | OCC | FED |
| Domestic Branches | 2 | 7 |
| Employees (FTE) | 27 | 62 |
| Established | September 26, 1963 | February 21, 1984 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full First National Bank of Lake Jackson profile | View full Valley Bank of Ronan profile | Browse all bank comparisons