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

2664 banks in the $100M-$1B peer group nationally 219 in TX

First National Bank of Lake Jackson has 2 strengths but faces 6 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

+ Credit Quality Leader: Top 37.2% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 17.2% in tier
- Liquidity Overhang: Bottom 48.9% in tier
- Return on Assets 0.93% below tier average
- Net Interest Margin 1.96% below tier average
- Non-Interest Income / Assets 0.26% below tier average
- Efficiency Ratio 17.27% above tier average

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$211.2M +1.9% YoY -0.4% QoQ	-$174.9M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	29%
Total Loans ?	$50.3M +40.3% YoY +0.7% QoQ	-$205.4M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 3.0% in tier
Total Deposits ?	$203.7M -0.5% YoY +0.0% QoQ	-$124.2M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	35%
Return on Assets ?	0.34% +437.0% YoY +585.2% QoQ	-0.93%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Bottom 8.9% in tier
Net Interest Margin ?	1.97% +15.0% YoY +10.2% QoQ	-1.96%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Bottom 0.7% in tier
Efficiency Ratio ?	82.56% -17.7% YoY -9.8% QoQ	+17.27%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Bottom 12.5% in tier
Delinquency Rate ?	0.00%	-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 ?	24.70% +41.0% YoY +0.7% QoQ	-51.94%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 1.1% in tier
Non-Interest-Bearing Deposit Share ?	20.42% +15.0% YoY -1.6% QoQ	-1.60%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	47%
Nonperforming Asset Ratio ?	0.00%	-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 ?	33.92% -10.1% YoY +2.4% QoQ	+18.09%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 2.6% in tier
Non-Interest Income / Assets ?	0.02% -1.9% YoY -70.3% QoQ	-0.26%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Bottom 5.6% in tier

Get Full Access to First National Bank of Lake Jackson

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (1)

Credit Quality Leader

growth

#248 of 664 • Top 37.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Flatlined Growth

risk

#89 of 512 • Bottom 17.2% 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: 0.34%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Liquidity Overhang

risk

#362 of 739 • Bottom 48.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 33.92%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 24.70%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 24.70%

Peer Median: 76.64%

#30 of 2664 Top 1.1% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 33.92%

Peer Median: 15.83%

#70 of 2664 Top 2.6% in $100M-$1B

Top Weaknesses (5 metrics)

2646

Net Interest Margin

profitability

Value: 1.97%

Peer Median: 3.93%

#2646 of 2664 Bottom 0.7% in $100M-$1B

2584

Total Loans

size

Value: $50.32M

Peer Median: $255.72M

#2584 of 2664 Bottom 3.0% in $100M-$1B

2516

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2516 of 2664 Bottom 5.6% in $100M-$1B

2427

Return on Assets

profitability

Value: 0.34%

Peer Median: 1.27%

#2427 of 2664 Bottom 8.9% in $100M-$1B

2332

Efficiency Ratio

profitability

Value: 82.56%

Peer Median: 65.29%

#2332 of 2664 Bottom 12.5% in $100M-$1B