First National Bank of Lake Jackson: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 2.01 percentage points lower than in Q1 2026, at 57.79%. On return on assets, First National Bank of Lake Jackson is 22nd from the bottom among 345 Texas banks, 0.25% (Q2 2026). First National Bank of Lake Jackson's return on assets of 0.25% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.00 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 34.17% |
| Tier 1 risk-based capital ratio | 34.17% |
| Total risk-based capital ratio | 34.94% |
| Tier 1 leverage ratio | 11.73% |
| Equity capital to assets | 2.95% |
| Tangible equity to tangible assets | 2.95% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.18% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.25% |
| Return on equity | 8.62% |
| Net interest margin | 1.59% |
| Efficiency ratio | 87.21% |
| Yield on earning assets | 3.26% |
| Cost of funds | 1.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 23.65% |
| Core deposits to total deposits | 96.75% |
| Brokered deposits to total deposits | 1.19% |
| Deposits to assets | 96.68% |
| Securities to assets | 57.79% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 43.32% | 43.32% | 43.87% | 11.34% | -0.66% |
| Q4 2023 | 43.96% | 43.96% | 44.53% | 10.69% | -0.52% |
| Q1 2024 | 44.19% | 44.19% | 44.76% | 9.80% | -0.06% |
| Q2 2024 | 43.55% | 43.55% | 44.18% | 10.28% | -0.68% |
| Q3 2024 | 41.69% | 41.69% | 42.29% | 10.43% | -0.05% |
| Q4 2024 | 40.61% | 40.61% | 41.23% | 10.58% | -0.14% |
| Q1 2025 | 37.73% | 37.73% | 38.37% | 10.52% | -0.09% |
| Q2 2025 | 34.88% | 34.88% | 35.64% | 10.98% | -0.02% |
| Q3 2025 | 35.15% | 35.15% | 35.91% | 12.06% | 0.11% |
| Q4 2025 | 33.12% | 33.12% | 33.88% | 11.98% | 0.20% |
| Q1 2026 | 33.92% | 33.92% | 34.70% | 11.03% | 0.30% |
| Q2 2026 | 34.17% | 34.17% | 34.94% | 11.73% | 0.25% |
First National Bank of Lake Jackson vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Lake Jackson, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First National Bank of Lake Jackson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18895) · FFIEC NIC profile (RSSD 560353)