BlastPoint's Banking Scorecard

First National Bank of Lake Jackson

$100M-$1B Specialty: Other TX FDIC cert 18895

Lake Jackson, TX

2 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 -5.5% year over year ($211.1M on the books).
Delinquency rate 0.00%.
Return on assets 0.30%.
Efficiency ratio 84.94% vs a 64.48% peer average.
Loan-to-deposit ratio 23.39% 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 of Lake Jackson has 2 strengths but faces 4 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 0.92% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 1.02% below tier average
- Net Interest Margin 2.15% below tier average
- Efficiency Ratio 20.46% above tier average
- Non-Interest Income / Assets 0.51% below tier average

Get updates when First National Bank of Lake Jackson releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$218.4M -3.6% YoY +3.4% QoQ	-$168.2M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	31%
Total Loans ?	$49.4M +9.6% YoY -1.9% QoQ	-$209.0M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 2.9% in tier
Total Deposits ?	$211.1M -5.5% YoY +3.6% QoQ	-$115.6M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	37%
Return on Assets ?	0.30% +615.3% YoY -11.3% QoQ	-1.02%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Bottom 7.4% in tier
Net Interest Margin ?	1.84% +6.2% YoY -6.7% QoQ	-2.15%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Bottom 0.6% in tier
Efficiency Ratio ?	84.94% -9.7% YoY +2.9% QoQ	+20.46%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 8.9% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.92%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	23.39% +16.0% YoY -5.3% QoQ	-54.56%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 1.1% in tier
Non-Interest-Bearing Deposit Share ?	19.30% +15.3% YoY -5.5% QoQ	-2.73%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	42%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.67%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	34.17% -2.0% YoY +0.7% QoQ	+18.26%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 2.7% in tier
Non-Interest Income / Assets ?	0.05% +33.8% YoY +123.2% QoQ	-0.51%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Bottom 6.5% in tier

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	19.3% +2.6pp YoY -1.1pp QoQ	-2.8pp	22.1%	29.2%	22.2%	42%
Brokered Deposits	1.2% +0.1pp YoY	-6.7pp	7.9%	8.0%	8.5%	21%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	18.2% -2.1pp YoY +0.2pp QoQ	+6.6pp	11.6%	14.8%	12.5%	84%
CRE	n/a	n/a	39.5%	48.4%	41.4%	n/a
1-4 Family	0.6% -0.2pp YoY 0.0pp QoQ	-32.0pp	32.6%	25.8%	31.3%	1%
Consumer	2.1% -0.1pp YoY +0.3pp QoQ	-2.0pp	4.1%	4.7%	5.0%	49%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	34.2% -0.7pp YoY +0.2pp QoQ	+15.3pp	18.8%	22.7%	19.7%	95%
Leverage Ratio	11.7% +0.7pp YoY +0.7pp QoQ	-0.4pp	12.2%	12.6%	12.6%	62%
Total Capital Ratio	34.9% -0.7pp YoY +0.2pp QoQ	+15.0pp	19.9%	23.8%	20.8%	95%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	27 +2 (+8.0%) YoY -2 (-6.9%) QoQ	-32	58	186	482	22%
Assets per Employee ($)	$8.1M -10.7% YoY +11.0% QoQ	+$569K	$7.5M	$10.1M	$8.8M	69%
Branch Count	2 0 YoY 0 QoQ	-3	4	12	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.0%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	18.82x	20.23x	n/a
Net Charge-off Rate (YTD)	-0.1% -0.1pp YoY	-0.2pp	0.1%	0.1%	0.2%	3%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	9.6% +18.2pp YoY -0.9pp QoQ	-2.6pp	12.2%	13.2%	11.6%	34%
Cost of Funds (YTD)	1.8% -0.1pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.6%	1.7%	57%
Net Income ($, YTD)	$321,000 +609.5% YoY — QoQ	-$2.2M	$2.6M	$15.9M	$40.4M	7%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 23.39%

Peer Median: 77.95%

#29 of 2643 Top 1.1% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 34.17%

Peer Median: 15.91%

#72 of 2643 Top 2.7% in $100M-$1B

Top Weaknesses (5 metrics)

2629

Net Interest Margin

profitability

Value: 1.84%

Peer Median: 3.99%

#2629 of 2643 Bottom 0.6% in $100M-$1B

2567

Total Loans

size

Value: $49.38M

Peer Median: $258.35M

#2567 of 2643 Bottom 2.9% in $100M-$1B

2472

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.57%

#2472 of 2643 Bottom 6.5% in $100M-$1B

2449

Return on Assets

profitability

Value: 0.30%

Peer Median: 1.32%

#2449 of 2643 Bottom 7.4% in $100M-$1B

2408

Efficiency Ratio

profitability

Value: 84.94%

Peer Median: 64.48%

#2408 of 2643 Bottom 8.9% in $100M-$1B