First National Bank in Port Lavaca: how it compares with its peers
Against 142 TX banks with half to twice its assets, First National Bank in Port Lavaca's strongest measure in Q2 2026 is assets per employee ($8.6M vs. a $6.9M peer median). Its weakest relative measure is net interest margin (2.88% vs. 4.18%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.40% | 1.45% | Bottom third Ahead of 7% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.88% | 4.18% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.41% | 61.21% | Bottom third Ahead of 32% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.6M | $6.9M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.04% | 70.03% | Context |
What it means for lending operations
Its efficiency ratio of 67.41% is above the 61.21% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First National Bank of Giddings Giddings, TX · $356M
- The Waggoner National Bank of Vernon Vernon, TX · $354M
- First State Bank of Texas Orange, TX · $354M
- First State Bank Stratford, TX · $372M
- Gilmer National Bank, Gilmer, Texas Gilmer, TX · $374M
- Lamar National Bank Paris, TX · $376M
Questions about First National Bank in Port Lavaca
How big is First National Bank in Port Lavaca?
First National Bank in Port Lavaca, established in 1957, is headquartered in Port Lavaca, TX. It reported $361M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is First National Bank in Port Lavaca's return on assets?
0.40% annualized in Q2 2026, against a 1.45% median for 142 TX banks with half to twice its assets, ahead of 7% of them.
What is First National Bank in Port Lavaca's efficiency ratio?
67.41% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 61.21%, and lower is better.
Is First National Bank in Port Lavaca growing its loans?
Net loans shrank 7.8% over the year to Q2 2026, while deposits shrank 2.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.