First National Bank in Port Lavaca
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Data as of · sourced from FFIEC call reports. How we update
First National Bank in Port Lavaca is an FDIC-insured commercial bank headquartered in Port Lavaca, TX, established in 1957 (FDIC certificate 17811), and it is supervised by the OCC. At Q2 2026 it reported total assets of $361.3M, down 1.4% from Q2 2025, the 191st largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.00% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 17811
- Headquarters
- Port Lavaca, TX
- Established
- 1957
- Total assets, Q2 2026
- $361.3M
- Assets vs Q2 2025
- -1.4%
- Tier 1 leverage ratio, Q2 2026
- 13.00%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 113123162
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank in Port Lavaca call report
- Holding company
- COASTAL BEND BANCSHARES, INC.
- Asset rank in state
- 191st of 346 in Texas
Problem loans are rising at First National Bank in Port Lavaca. Based in Port Lavaca, Texas, it had $361 million in assets at June 30, 2026, down 1.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.39% of loans from 1.71% a year earlier. It loses about $0.22 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also keeps 2.82 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
It lost $204,000 in the quarter. The non-owner-occupied commercial real estate book ($35 million) is worsening: 13.60% of it is past due or on nonaccrual, up from 8.14% a year earlier. Credit is the area to watch: it carries problem assets equal to 12.1% of the capital and reserves that would absorb them, 4.6 times the median of 2.6% for banks its size.
As of June 30, 2026, First National Bank in Port Lavaca reported a return on assets of -0.22%, a nonperforming-loan ratio of 2.39% and a Texas ratio of 12.05%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, First National Bank in Port Lavaca is the 191st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.4% to $361.3M, loans fell 1.5% and deposits rose 0.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 57.8% of total loans, followed by non-owner-occupied commercial real estate loans at 17.5%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in TX; its Port Lavaca office books 76% of its branch deposits. By the capital ratios in its Q2 2026 call report, First National Bank in Port Lavaca meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1101 N Us Highway 35 Byp, Port Lavaca, TX 77979
- County
- Calhoun
- Metro Area
- Port Lavaca, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- November 13, 1957
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $294.3M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $378.6M
- Average total loans
- $202.7M
- Average interest-bearing deposits
- $214.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 13, 1957
- FDIC Cert
- 17811
- Fed RSSD
- 855264
- Website
- WWW.FNBPORTLAVACA.COM →
- Parent Holding Company
- COASTAL BEND BANCSHARES, INC. (RSSD 2505929)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First National Bank in Port Lavaca reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First National Bank in Port Lavaca's total assets moved between a low of $359.9M (Q1 2026) and a high of $397.7M (Q1 2024) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$361.3M total assets against $366.4M; $323.8M total liabilities against $333.0M.
$200.2M net loans and leases against $217.1M; $294.3M total deposits against $300.3M.
$100.8M securities against $109.9M; $49.6M cash and balances due against $27.5M.
$3.9M total interest income against $4.2M; $1.4M total interest expense against $1.4M.
$2.5M net interest income against $2.8M.
$262K total noninterest income against $258K; $1.9M total noninterest expense against $1.8M.
$890K provision for credit losses against $86K.
-$204K net income against $939K.
-0.22% return on assets against 0.96%; 2.82% net interest margin against 3.02%.
13.00% tier 1 leverage ratio against 12.20%.
Inside the full First National Bank in Port Lavaca terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank in Port Lavaca rankings
Its closest position to the top of a national ranking is 474 of 3,640, for Texas Ratio; its furthest is 3,530 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.22% (Q2 2026) to 1.05% (Q3 2025) and its net interest margin ran from 2.67% (Q3 2024) to 3.02% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.00% | -0.22% | 2.39% | 12.05% | 2.82% |
| Q1 2026 | 12.91% | 0.99% | 0.00% | 0.00% | 2.77% |
| Q4 2025 | 12.36% | 0.77% | 0.01% | 0.04% | 2.95% |
| Q3 2025 | 12.79% | 1.05% | 0.00% | 0.00% | 2.91% |
| Q2 2025 | 12.20% | 0.96% | 1.71% | 10.66% | 3.02% |
| Q1 2025 | 11.97% | 0.87% | 0.06% | 0.36% | 2.79% |
| Q4 2024 | 11.35% | 0.80% | 0.00% | 0.00% | 2.72% |
| Q3 2024 | 11.39% | 0.82% | 0.07% | 0.43% | 2.67% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First National Bank in Port Lavaca (main office) | Port Lavaca , TX | 77979 | $222.4M |
| First National Bank- Lavaca Victoria Branch | Victoria , TX | 77901 | $27.9M |
| Seaport Bank Branch | Seadrift , TX | 77983 | $26.1M |
| First National Bank in Port LavacaBranch | Port O Connor , TX | 77982 | $17.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 1, 2006 | Structure Change | Acquired Seaport Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 242 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $118K approved, $59K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First National Bank in Port Lavaca
What are First National Bank in Port Lavaca's total assets?
As of the Q2 2026 filing, First National Bank in Port Lavaca reported total assets of $361.3 million in its FFIEC call report.
Where is First National Bank in Port Lavaca headquartered?
It is headquartered in Port Lavaca, TX, United States.
When was First National Bank in Port Lavaca founded?
It was established in 1957, per the FDIC institution directory.
Is First National Bank in Port Lavaca FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17811). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank in Port Lavaca?
First National Bank in Port Lavaca's primary federal regulator is the OCC.
How many branches does First National Bank in Port Lavaca operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank in Port Lavaca's Texas Ratio?
Its Texas Ratio is 12.05% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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