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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

2664 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

First National Bank in Port Lavaca has 3 strengths but faces 3 concerns

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

  • + Delinquency Rate 0.89% below tier average
  • + Nonperforming Asset Ratio 0.64% below tier average
  • + Efficiency Ratio 0.17% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 37.0% in tier
  • - Net Interest Margin 1.08% below tier average
  • - ROA 0.25% below tier average
Get updates when First National Bank in Port Lavaca releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $359.9M
-3.0% YoY -5.6% QoQ
-$26.1M $386.1M
+0.5% YoY
$2.3B
+1.1% YoY
$6.2B
+9.1% YoY
56%
Total Loans ? $204.1M
-5.7% YoY -0.9% QoQ
-$51.6M $255.7M
+1.1% YoY
$1.1B
+10.2% YoY
$3.2B
+10.8% YoY
50%
Total Deposits ? $292.3M
-4.3% YoY -6.7% QoQ
-$35.7M $328.0M
+0.1% YoY
$1.9B
+3.3% YoY
$4.8B
+8.2% YoY
53%
Return on Assets ? 1.02%
+12.1% YoY +7.7% QoQ
-0.25% 1.27%
+12.9% YoY
1.40%
+10.3% YoY
1.23%
+13.4% YoY
39%
Net Interest Margin ? 2.85%
-2.0% YoY -5.4% QoQ
-1.08% 3.93%
+6.0% YoY
4.03%
+2.6% YoY
3.89%
+5.7% YoY
Bottom 7.5% in tier
Efficiency Ratio ? 65.11%
+1.8% YoY +6.5% QoQ
-0.17% 65.29%
-4.5% YoY
63.18%
-2.3% YoY
66.95%
-4.1% YoY
44%
Delinquency Rate ? 0.00%
-100.0% YoY -100.0% QoQ
-0.89% 0.89%
+18.8% YoY
0.96%
+36.6% YoY
0.95%
+18.8% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 69.83%
-1.6% YoY +6.2% QoQ
-6.81% 76.64%
+0.8% YoY
67.20%
-0.8% YoY
76.70%
+0.9% YoY
67%
Non-Interest-Bearing Deposit Share ? 27.05%
+1.1% YoY -14.9% QoQ
+5.03% 22.02%
-1.0% YoY
29.02%
-1.0% YoY
22.01%
-1.2% YoY
74%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY -100.0% QoQ
-0.64% 0.64%
+19.7% YoY
0.62%
+31.5% YoY
0.67%
+19.3% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 12.91%
+7.8% YoY +4.4% QoQ
-2.92% 15.83%
+1.5% YoY
18.04%
+0.0% YoY
17.06%
+0.8% YoY
46%
Non-Interest Income / Assets ? 0.07%
+2.6% YoY -73.8% QoQ
-0.21% 0.28%
+9.3% YoY
0.20%
+4.0% YoY
0.32%
+4.1% YoY
32%

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)

Deposit Outflow

decline
#188 of 506 • Bottom 37.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally
→ Stable -8 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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.89%
#1 of 2654 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.64%
#1 of 2664 Top 0.1% in $100M-$1B

Top Weaknesses (1 metrics)

2466
Net Interest Margin
profitability
Value: 2.85%
Peer Median: 3.93%
#2466 of 2664 Bottom 7.5% in $100M-$1B
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