First National Bank of Lake Jackson is a national bank headquartered in Lake Jackson, Texas, in business for about 63 years. At the end of Q2 2026 it reported $218.4M in total assets and $211.1M in deposits, with 2 offices.
First National Bank of Lake Jackson has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 235th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (32/100, 0.30%).
TellerScore · Q2 2026
Scorecard
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 rose 4 points (65 → 69), mostly because the earnings component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 62 |
| Q4 2024 | 62 |
| Q1 2025 | 63 |
| Q2 2025 | 65 |
| Q3 2025 | 69 |
| Q4 2025 | 69 |
| Q1 2026 | 68 |
| Q2 2026 | 69 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.28% |
| Q3 2024 | 10.43% |
| Q4 2024 | 10.58% |
| Q1 2025 | 10.52% |
| Q2 2025 | 10.98% |
| Q3 2025 | 12.06% |
| Q4 2025 | 11.98% |
| Q1 2026 | 11.03% |
| Q2 2026 | 11.73% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.41% |
| Q3 2024 | -0.30% |
| Q4 2024 | -0.26% |
| Q1 2025 | -0.10% |
| Q2 2025 | -0.06% |
| Q3 2025 | -0.00% |
| Q4 2025 | 0.05% |
| Q1 2026 | 0.34% |
| Q2 2026 | 0.30% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $218.4M | 11.73% | 0.00% | 0.30% | 23.4% |
| Q1 2026 | 68 | $211.2M | 11.03% | 0.00% | 0.34% | 24.7% |
| Q4 2025 | 69 | $212.0M | 11.98% | 0.00% | 0.05% | 24.5% |
| Q3 2025 | 69 | $192.2M | 12.06% | 0.00% | -0.00% | 24.1% |
| Q2 2025 | 65 | $226.5M | 10.98% | 0.00% | -0.06% | 20.2% |
| Q1 2025 | 63 | $207.2M | 10.52% | 0.00% | -0.10% | 17.5% |
| Q4 2024 | 62 | $215.1M | 10.58% | 0.00% | -0.26% | 15.4% |
| Q3 2024 | 62 | $203.9M | 10.43% | 0.00% | -0.30% | 16.5% |
| Q2 2024 | 60 | $236.1M | 10.28% | 0.00% | -0.41% | 14.5% |
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Texas National BankBank Floydada, TX | 76 out of 100, Strong | $216.9M | 9.7% | 0.00% | vs |
| The Perryton National BankBank Perryton, TX | 88 out of 100, Very strong | $212.7M | 16.4% | 0.36% | vs |
| First State Bank of OdemBank Odem, TX | 95 out of 100, Very strong | $212.6M | 14.4% | 0.00% | vs |
| The Citizens National Bank of HillsboroBank Hillsboro, TX | 82 out of 100, Strong | $224.4M | 12.5% | 0.28% | vs |
| Sanger BankBank Sanger, TX | 86 out of 100, Very strong | $224.4M | 16.5% | 0.51% | vs |
| First State Bank of BediasBank Bedias, TX | 81 out of 100, Strong | $224.8M | 17.9% | 2.01% | vs |
Deposit insurance
Is my money safe at First National Bank of Lake Jackson?
Yes. First National Bank of Lake Jackson is an FDIC-insured institution (FDIC certificate #18895). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 57.4% of deposits ($121.1M) 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 11.73%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 34.94% (benchmark: 10%).
2 locations
Branches
First National Bank of Lake Jackson lists 2 offices in 2 cities. Most locations:
- Brazoria, TX (1)
- Lake Jackson, TX (1)
Identity & history
Profile
- Legal name
- First National Bank of Lake Jackson
- Type
- National bank
- FDIC certificate #
- 18895
- RSSD ID
- 560353
- Primary regulator
- OCC
- Holding company
- Austin Colony Inc
- Established
- September 26, 1963
- Headquarters
- 122 West Way, Lake Jackson, TX 77566
- Website
- www.fnblj.com
- Employees
- 27
Quick answers
First National Bank of Lake Jackson: common questions
Is First National Bank of Lake Jackson FDIC insured?
Yes. First National Bank of Lake Jackson is an FDIC-insured institution (FDIC certificate #18895). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First National Bank of Lake Jackson's TellerScore?
69 out of 100 (Moderate), 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 of Lake Jackson ever failed?
There is no failure record for FDIC certificate #18895 in the FDIC failed bank list.
How many branches does First National Bank of Lake Jackson have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lake Jackson
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Old Ocean Federal Credit UnionCredit union Sweeny, TX | 98 out of 100, Very strong | $41.6M | 20.5% | 0.24% | vs |
| SouthStar Bank, S.S.B.Bank Moulton, TX | 77 out of 100, Strong | $1.4B | 13.3% | 0.62% | vs |
| Texas Gulf Bank, National AssociationBank Houston, TX | 76 out of 100, Strong | $726.9M | 12.0% | 0.00% | vs |
| The Moody National BankBank Galveston, TX | 73 out of 100, Strong | $1.5B | 15.9% | 1.03% | vs |
| Third Coast BankBank Humble, TX | 71 out of 100, Strong | $6.7B | 11.4% | 0.50% | vs |
| Prosperity BankBank El Campo, TX | 71 out of 100, Strong | $43.9B | 10.6% | 0.48% | vs |