First National Bank of Lake Jackson: how it compares with its peers
Against 131 TX banks with half to twice its assets, First National Bank of Lake Jackson's strongest measure in Q2 2026 is assets per employee ($8.1M vs. a $6.6M peer median). Its weakest relative measure is net interest margin (1.84% vs. 4.20%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.30% | 1.46% | Bottom third Ahead of 5% of peers |
| Net interest margin Annualized net interest income over earning assets. | 1.84% | 4.20% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 84.94% | 62.89% | Bottom third Ahead of 8% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $6.6M | Top third Ahead of 73% of peers |
| Loans to deposits Net loans and leases over total deposits. | 23.39% | 66.79% | Context |
What it means for lending operations
Its efficiency ratio of 84.94% is above the 62.89% 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 Texas National Bank Floydada, TX · $217M
- The Perryton National Bank Perryton, TX · $213M
- First State Bank of Odem Odem, TX · $213M
- The Citizens National Bank of Hillsboro Hillsboro, TX · $224M
- Sanger Bank Sanger, TX · $224M
- First State Bank of Bedias Bedias, TX · $225M
Questions about First National Bank of Lake Jackson
How big is First National Bank of Lake Jackson?
First National Bank of Lake Jackson, established in 1963, is headquartered in Lake Jackson, TX. It reported $218M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is First National Bank of Lake Jackson's return on assets?
0.30% annualized in Q2 2026, against a 1.46% median for 131 TX banks with half to twice its assets, ahead of 5% of them.
What is First National Bank of Lake Jackson's efficiency ratio?
84.94% in Q2 2026: it spent about 85 cents in noninterest expense for each dollar of revenue. The peer median is 62.89%, and lower is better.
Is First National Bank of Lake Jackson growing its loans?
Net loans grew 9.6% over the year to Q2 2026, while deposits shrank 5.5%.
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.