TellerScore

First National Bank in Port Lavaca is a national bank headquartered in Port Lavaca, Texas, in business for about 69 years. At the end of Q2 2026 it reported $361.3M in total assets and $294.3M in deposits, with 4 offices.

Based on its Q2 2026 filing, First National Bank in Port Lavaca scores 54/100, which we describe as below average. That is higher than only 10% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 318th. Its strongest component is capital cushion (80/100; 13.00%), and its lowest is loan quality (20/100; 2.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Tier 1 leverage ratio: 13.00%
Loan quality20/100
Noncurrent loans ÷ total loans: 2.39%
Earnings36/100
Return on assets (annualized): 0.40%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 68.0% · 35.0% uninsured
Problem-loan coverage76/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.05%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 8 points (62 → 54), mostly because the loan quality component weakened by 23 points.

TellerScore
546881Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202475
Q4 202475
Q1 202577
Q2 202562
Q3 202580
Q4 202579
Q1 202681
Q2 202654
Tier 1 leverage ratio
5.00%9.00%13.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.53%
Q3 202411.39%
Q4 202411.35%
Q1 202511.97%
Q2 202512.20%
Q3 202512.79%
Q4 202512.36%
Q1 202612.91%
Q2 202613.00%
Noncurrent loans
0.00%1.19%2.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.07%
Q4 20240.00%
Q1 20250.06%
Q2 20251.71%
Q3 20250.00%
Q4 20250.01%
Q1 20260.00%
Q2 20262.39%
Return on assets
0.40%0.71%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.90%
Q3 20240.88%
Q4 20240.88%
Q1 20250.91%
Q2 20250.96%
Q3 20251.00%
Q4 20250.95%
Q1 20261.02%
Q2 20260.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$361.3M13.00%2.39%0.40%68.0%
Q1 202681$359.9M12.91%0.00%1.02%69.8%
Q4 202579$381.3M12.36%0.01%0.95%65.7%
Q3 202580$368.7M12.79%0.00%1.00%70.2%
Q2 202562$366.4M12.20%1.71%0.96%72.3%
Q1 202577$370.9M11.97%0.06%0.91%70.9%
Q4 202475$377.7M11.35%0.00%0.88%69.9%
Q3 202475$390.0M11.39%0.07%0.88%69.8%
Q2 202476$385.5M11.53%0.02%0.90%69.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.00%
75th
Total risk-based capital0.00%
24th
Problem loans2.39%
9th
Net charge-offs0.00%
55th
Return on assets0.40%
10th
Net interest margin2.88%
7th
Efficiency ratio67.4%
36th
Loans to deposits68.0%
72nd
Uninsured deposits35.0%
17th
Loan-loss reserves1.30%
62nd
Texas ratio12.1%
14th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of GiddingsBank Giddings, TX57 out of 100, Moderate$356.2M11.2%2.07%vs
The Waggoner National Bank of VernonBank Vernon, TX88 out of 100, Very strong$353.7M14.4%0.66%vs
First State Bank of TexasBank Orange, TX39 out of 100, Low$353.6M9.2%2.85%vs
First State BankBank Stratford, TX88 out of 100, Very strong$371.9M12.6%0.00%vs
Gilmer National Bank, Gilmer, TexasBank Gilmer, TX40 out of 100, Below average$374.5M9.7%3.70%vs
Lamar National BankBank Paris, TX73 out of 100, Strong$375.9M10.6%0.15%vs

Deposit insurance

Is my money safe at First National Bank in Port Lavaca?

Yes. First National Bank in Port Lavaca is an FDIC-insured institution (FDIC certificate #17811). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.0% of deposits ($102.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.00%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

First National Bank in Port Lavaca lists 4 offices in 4 cities. Most locations:

  • Port Lavaca, TX (1)
  • Port O Connor, TX (1)
  • Seadrift, TX (1)
  • Victoria, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
First National Bank in Port Lavaca
Type
National bank
FDIC certificate #
17811
RSSD ID
855264
Primary regulator
OCC
Established
November 13, 1957
Headquarters
1101 N Us Highway 35 Byp, Port Lavaca, TX 77979
Employees
42

Quick answers

First National Bank in Port Lavaca: common questions

Is First National Bank in Port Lavaca FDIC insured?

Yes. First National Bank in Port Lavaca is an FDIC-insured institution (FDIC certificate #17811). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank in Port Lavaca's TellerScore?

54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First National Bank in Port Lavaca ever failed?

There is no failure record for FDIC certificate #17811 in the FDIC failed bank list.

How many branches does First National Bank in Port Lavaca have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Port Lavaca

InstitutionScoreAssetsCapitalProblem loansCompare
Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX96 out of 100, Very strong$5.4M21.6%0.52%vs
Victoria Teachers Federal Credit UnionCredit union Victoria, TX88 out of 100, Very strong$18.0M33.0%0.08%vs
NewFirst National BankBank El Campo, TX84 out of 100, Strong$934.9M12.5%0.21%vs
Cal-Com Federal Credit UnionCredit union Port Lavaca, TX83 out of 100, Strong$225.8M12.5%0.09%vs
Victoria Federal Credit UnionCredit union Victoria, TX81 out of 100, Strong$9.4M12.8%0.04%vs
Victoria City-County Employees Federal Credit UnionCredit union Victoria, TX80 out of 100, Strong$7.0M14.7%0.06%vs