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First National Bank in Port Lavaca

$100M-$1B Specialty: Other TX FDIC cert 17811

Port Lavaca, TX

4 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits -2.0% year over year ($294.3M on the books).
  • Delinquency rate 2.42%.
  • Return on assets 0.40%.
  • Efficiency ratio 67.41% vs a 64.48% peer average.
  • Loan-to-deposit ratio 68.04% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

First National Bank in Port Lavaca faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 1.0% in tier
  • - Return on Assets 0.92% below tier average
  • - Net Interest Margin 1.11% below tier average
  • - Delinquency Rate 1.50% above tier average
  • - Efficiency Ratio 2.93% above tier average
Get updates when First National Bank in Port Lavaca releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $361.3M
-1.4% YoY +0.4% QoQ
-$25.2M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
56%
Total Loans ? $200.2M
-7.8% YoY -1.9% QoQ
-$58.1M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
48%
Total Deposits ? $294.3M
-2.0% YoY +0.7% QoQ
-$32.5M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
54%
Return on Assets ? 0.40%
-58.0% YoY -60.4% QoQ
-0.92% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Bottom 9.9% in tier
Net Interest Margin ? 2.88%
-5.5% YoY +0.9% QoQ
-1.11% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Bottom 7.1% in tier
Efficiency Ratio ? 67.41%
+10.4% YoY +3.5% QoQ
+2.93% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
36%
Delinquency Rate ? 2.42%
+40.0% YoY
+1.50% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Bottom 9.3% in tier
Loan-to-Deposit Ratio ? 68.04%
-5.9% YoY -2.6% QoQ
-9.92% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
72%
Non-Interest-Bearing Deposit Share ? 27.22%
+0.5% YoY +0.6% QoQ
+5.19% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
74%
Nonperforming Asset Ratio ? 1.34%
+30.9% YoY
+0.67% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Bottom 14.3% in tier
Tier 1 Capital Ratio ? 13.00%
+6.6% YoY +0.7% QoQ
-2.91% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
48%
Non-Interest Income / Assets ? 0.14%
+2.0% YoY +103.2% QoQ
-0.42% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
32%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 27.2%
+0.1pp YoY
+0.2pp QoQ
 +5.1pp 22.1% 29.2% 22.2% 74%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 4.8%
-0.2pp YoY
-0.2pp QoQ
 -6.7pp 11.6% 14.8% 12.5% 19%
CRE 32.5%
-1.7pp YoY
-0.6pp QoQ
 -7.1pp 39.5% 48.4% 41.4% 39%
1-4 Family 58.6%
+2.6pp YoY
+1.1pp QoQ
 +26.0pp 32.6% 25.8% 31.3% 89%
Consumer 3.5%
-0.3pp YoY
-0.2pp QoQ
 -0.6pp 4.1% 4.7% 5.0% 66%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 13.0%
+0.8pp YoY
+0.1pp QoQ
 +0.8pp 12.2% 12.6% 12.6% 75%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 42
-2 (-4.5%) YoY
-1 (-2.3%) QoQ
 -17 58 186 482 44%
Assets per Employee ($) $8.6M
+3.3% YoY
+2.8% QoQ
 +$1.1M $7.5M $10.1M $8.8M 75%
Branch Count 4
0 YoY
0 QoQ
 -1 4 12 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-1.7pp YoY
 -0.3pp 0.3% 0.3% 0.4% 13%
Nonaccrual 2.4% +1.5pp 0.9% 1.0% 1.0% 91%
Allowance Coverage 0.54x
+13.4% YoY
 -23.61x 24.15x 18.82x 20.23x 12%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 35%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 4.0%
-7.2pp YoY
-6.1pp QoQ
 -8.2pp 12.2% 13.2% 11.6% 10%
Cost of Funds (YTD) 1.6%
0.0pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.6% 1.7% 40%
Net Income ($, YTD) $744,000
-58.5% YoY
— QoQ
 -$1.8M $2.6M $15.9M $40.4M 18%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk
#6 of 529 • Bottom 1.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.40%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

2457
Net Interest Margin
profitability
Value: 2.88%
Peer Median: 3.99%
#2457 of 2643 Bottom 7.1% in $100M-$1B
2389
Delinquency Rate
credit_quality
Value: 2.42%
Peer Median: 0.92%
#2389 of 2633 Bottom 9.3% in $100M-$1B
2382
Return on Assets
profitability
Value: 0.40%
Peer Median: 1.32%
#2382 of 2643 Bottom 9.9% in $100M-$1B
2266
Nonperforming Asset Ratio
credit_quality
Value: 1.34%
Peer Median: 0.67%
#2266 of 2643 Bottom 14.3% in $100M-$1B
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