First National Bank of Lake Jackson: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank of Lake Jackson of Lake Jackson, 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 | 0.25% | 1.35% | -1.10% | 8th bottom |
| ROAE | 8.62% | 12.06% | -3.44% | 28th below |
| Net Interest Margin | 1.59% | 3.90% | -2.31% | 1st bottom |
| Efficiency Ratio | 87.21% | 63.14% | +24.07% | 8th bottom |
| PPNR / Avg Assets | 0.21% | 1.64% | -1.43% | 4th bottom |
| Yield on Earning Assets | 3.26% | 5.65% | -2.39% | 0th bottom |
| Cost of Funds | 1.63% | 1.85% | -0.22% | 61st above |
| Net Interest Spread | 1.04% | 3.35% | -2.31% | 1st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans | -0.18% | 0.15% | -0.33% | 98th top |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 35th below |
| Texas Ratio | 0.00% | 7.15% | -7.15% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 34.17% | 20.82% | +13.35% | 95th top |
| Tier 1 Ratio | 34.17% | 20.85% | +13.32% | 95th top |
| Total Capital Ratio | 34.94% | 21.93% | +13.01% | 94th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.73% | 12.46% | -0.73% | 62nd above |
| Equity / Assets | 2.95% | 11.67% | -8.72% | 1st bottom |
| TCE / Tangible Assets | 2.95% | 11.40% | -8.45% | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 23.65% | 78.66% | -55.01% | 99th top |
| Core Deposit Ratio | 96.75% | 87.09% | +9.66% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.60% | 6.48% | -10.08% | 7th bottom |
| Loan Growth (Y/Y) | 9.57% | 7.64% | +1.93% | 72nd above |
| Deposit Growth (Y/Y) | -5.49% | 6.03% | -11.52% | 6th bottom |
See First National Bank of Lake Jackson'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 of Lake Jackson, 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 of Lake Jackson profile, how to read a UBPR, or how this data updates.