BlastPoint's Banking Scorecard
First National Bank of Lake Jackson
Micro
Specialty: Mortgage
TX
FDIC cert 18895
Designations: ✓ Community bank
Lake Jackson, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
First National Bank of Lake Jackson has 4 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 49.99% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 24.27% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.03% below tier
- - Net Interest Margin 2.07% below tier
- - Efficiency Ratio 23.78% above tier
- - Non-Interest Income / Assets 0.48% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$212.0M
-1.4% YoY
+10.3% QoQ
|
-$5.5M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$50.0M
+51.4% YoY
+11.7% QoQ
|
-$89.2M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$203.7M
-4.8% YoY
+9.8% QoQ
|
+$20.1M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
0.05%
+118.7% YoY
|
-1.03% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
1.79%
+29.8% YoY
+1.1% QoQ
|
-2.07% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
91.50%
-15.1% YoY
-2.6% QoQ
|
+23.78% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
24.54%
+59.0% YoY
+1.7% QoQ
|
-49.99% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.75%
+7.8% YoY
-2.5% QoQ
|
-1.64% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
33.12%
-18.5% YoY
-5.8% QoQ
|
+24.27% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.08%
+2.0% YoY
+19.1% QoQ
|
-0.48% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
24.54%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
33.12%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (4)
Return on Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.05%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.79%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
91.50%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.08%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Loan-to-Deposit Ratio
Current: 24.54% · Tier avg: 74.53%
97
97th pctile
Tier 1 Capital Ratio
Current: 33.12% · Tier avg: 8.85%
61
61th pctile
Total Deposits
Current: $203.7M · Tier avg: $183.7M
54
54th pctile
Total Assets
Current: $212.0M · Tier avg: $217.5M
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.75% · Tier avg: 22.39%
20
20th pctile
Total Loans
Current: $50.0M · Tier avg: $139.2M
8
8th pctile
Efficiency Ratio
Current: 91.50% · Tier avg: 67.73%
7
7th pctile
Return on Assets
Current: 0.05% · Tier avg: 1.08%
6
6th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
1
1th pctile
Net Interest Margin
Current: 1.79% · Tier avg: 3.85%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.79% · Tier avg: 3.85%
6
6th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
7
7th pctile
Return on Assets
Current: 0.05% · Tier avg: 1.08%
8
8th pctile
Efficiency Ratio
Current: 91.50% · Tier avg: 67.73%
20
20th pctile
Total Loans
Current: $50.0M · Tier avg: $139.2M
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.75% · Tier avg: 22.39%
54
54th pctile
Total Assets
Current: $212.0M · Tier avg: $217.5M
61
61th pctile
Total Deposits
Current: $203.7M · Tier avg: $183.7M
97
97th pctile
Tier 1 Capital Ratio
Current: 33.12% · Tier avg: 8.85%
99
99th pctile
Loan-to-Deposit Ratio
Current: 24.54% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%