First National Bank of Lake Jackson
Also written as FNB of Lake Jackson
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Lake Jackson is an FDIC-insured commercial bank headquartered in Lake Jackson, TX, established in 1963 (FDIC certificate 18895), and it is supervised by the OCC. At Q2 2026 it reported total assets of $218.4M, down 3.6% from Q2 2025, the 247th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 34.17% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 18895
- Headquarters
- Lake Jackson, TX
- Established
- 1963
- Total assets, Q2 2026
- $218.4M
- Assets vs Q2 2025
- -3.6%
- CET1 ratio, Q2 2026
- 34.17%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 113101317
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Lake Jackson call report
- Holding company
- AUSTIN COLONY, INC.
- Asset rank in state
- 247th of 346 in Texas
First National Bank of Lake Jackson spends more to run itself than most banks of its size. The Lake Jackson, Texas bank had $218 million in assets at June 30, 2026, down 3.6% from a year earlier. It earns about $0.25 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $20 million equal 75% of Tier 1 capital, down from 91% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 9.6% and deposits fell 5.5%. Its margin is thin by comparison: it keeps 1.59 cents of net interest income on every dollar of earning assets, about a third the median of 3.96 cents for banks its size.
As of June 30, 2026, First National Bank of Lake Jackson reported a CET1 capital ratio of 34.17%, a return on assets of 0.25%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
First National Bank of Lake Jackson ranks as the 247th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.4% to $218.4M, loans fell 1.9% and deposits rose 3.6%. Construction and land development loans made up 28.6% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 28.4%. The FDIC Summary of Deposits lists 2 offices for it, in Lake Jackson, TX and Brazoria, TX; its Lake Jackson office books 92% of its branch deposits. On its Q2 2026 call report, First National Bank of Lake Jackson meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 122 West Way, Lake Jackson, TX 77566
- County
- Brazoria
- Metro Area
- Houston-Pasadena-The Woodlands, 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
- —
- Call Report form
- FFIEC 051
- Established
- September 26, 1963
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $211.1M
- Allowance for credit losses
- $536K
- Net charge-offs (YTD)
- -$22K
- Average total assets
- $223.4M
- Average total loans
- $49.7M
- Average interest-bearing deposits
- $186.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 26, 1963
- FDIC Cert
- 18895
- Fed RSSD
- 560353
- Website
- www.fnblj.com →
- Parent Holding Company
- AUSTIN COLONY, INC. (RSSD 1130829)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First National Bank of Lake Jackson's total assets ranged from $192.2M (Q3 2025) to $236.1M (Q2 2024), and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$218.4M total assets against $226.5M; $211.9M total liabilities against $224.1M.
$49.4M net loans and leases against $45.1M; $211.1M total deposits against $223.4M.
$126.2M securities against $129.2M; $40.0M cash and balances due against $49.5M.
$1.8M total interest income against $1.9M; $923K total interest expense against $944K.
$872K net interest income against $913K.
$68K total noninterest income against $41K; $823K total noninterest expense against $842K.
-$25K provision for credit losses against $122K.
$142K net income against -$10K.
0.25% return on assets against -0.02%; 1.59% net interest margin against 1.62%.
34.17% CET1 capital ratio against 34.88%; 11.73% tier 1 leverage ratio against 10.98%.
Inside the full First National Bank of Lake Jackson terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank of Lake Jackson rankings
Its closest position to the top of a national ranking is 45 of 2,134, for CET1 ratio; its furthest is 3,521 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.14% (Q4 2024) to 0.30% (Q1 2026) and its net interest margin ran from 1.20% (Q3 2024) to 1.73% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 34.17% | 0.25% | 0.00% | 0.00% | 1.59% |
| Q1 2026 | 33.92% | 0.30% | 0.00% | 0.00% | 1.69% |
| Q4 2025 | 33.12% | 0.20% | 0.00% | 0.00% | 1.73% |
| Q3 2025 | 35.15% | 0.11% | 0.00% | 0.00% | 1.62% |
| Q2 2025 | 34.88% | -0.02% | 0.00% | 0.07% | 1.62% |
| Q1 2025 | 37.73% | -0.09% | 0.00% | 0.00% | 1.46% |
| Q4 2024 | 40.61% | -0.14% | 0.00% | 0.00% | 1.35% |
| Q3 2024 | 41.69% | -0.05% | 0.00% | 0.00% | 1.20% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 of Lake Jackson (main office) | Lake Jackson , TX | 77566 | $193.3M |
| Brazoria Branch | Brazoria , TX | 77422 | $17.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- September 17, 2024, OCC: Formal Agreement: First National Bank of Lake Jackson
- Period: Most recent institution action September 17, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 288 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, 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 of Lake Jackson
What are First National Bank of Lake Jackson's total assets?
As of the Q2 2026 filing, First National Bank of Lake Jackson reported total assets of $218.4 million in its FFIEC call report.
Where is First National Bank of Lake Jackson headquartered?
It is headquartered in Lake Jackson, TX, United States.
When was First National Bank of Lake Jackson founded?
It was established in 1963, per the FDIC institution directory.
Is First National Bank of Lake Jackson FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18895). 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 of Lake Jackson?
First National Bank of Lake Jackson's primary federal regulator is the OCC.
What is First National Bank of Lake Jackson's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 34.17% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank of Lake Jackson operate?
It operates 2 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 of Lake Jackson's Texas Ratio?
Its Texas Ratio is 0.00% 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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