First National Bank in Port Lavaca: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank in Port Lavaca of Port Lavaca, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.22% | 1.34% | -1.56% | 4th bottom |
| ROAE | -2.17% | 13.32% | -15.49% | 4th bottom |
| Net Interest Margin | 2.82% | 3.93% | -1.11% | 7th bottom |
| Efficiency Ratio | 69.09% | 61.14% | +7.95% | 30th below |
| PPNR / Avg Assets | 0.89% | 1.68% | -0.79% | 17th bottom |
| Yield on Earning Assets | 4.34% | 5.67% | -1.33% | 6th bottom |
| Cost of Funds | 1.71% | 1.88% | -0.17% | 56th above |
| Net Interest Spread | 2.06% | 3.32% | -1.26% | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.38% | 0.94% | +1.44% | 10th bottom |
| NPA / Total Assets | 1.34% | 0.70% | +0.64% | 14th bottom |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 77th top |
| ACL / Total Loans | 1.30% | 1.28% | +0.02% | 62nd above |
| ACL / NPLs (Coverage) | 54.57% | 1539.24% | -1484.67% | 12th bottom |
| Texas Ratio | 12.05% | 7.33% | +4.72% | 17th bottom |
| Provision / NCO | 23366.67% | 1383.79% | +21982.88% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.00% | 12.14% | +0.86% | 75th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.39% | 11.37% | -0.98% | 51st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.39% | 11.09% | -0.70% | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.93% | 80.64% | -11.71% | 72nd above |
| Core Deposit Ratio | 92.80% | 86.86% | +5.94% | 73rd above |
| Wholesale Funding Ratio | 7.87% | 5.03% | +2.84% | 22nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.38% | 6.85% | -8.23% | 12th bottom |
| Loan Growth (Y/Y) | -7.35% | 7.91% | -15.26% | 4th bottom |
| Deposit Growth (Y/Y) | -2.00% | 6.29% | -8.29% | 13th bottom |
See First National Bank in Port Lavaca's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank in Port Lavaca, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First National Bank in Port Lavaca profile, how to read a UBPR, or how this data updates.