Total Assets
$381M
Total balance-sheet footings
FDIC Cert #17811 · Port Lavaca, Texas · Est. 1957
First National Bank in Port Lavaca - FDIC Bank Health Profile
A community-scale look at First National Bank in Port Lavaca's own numbers, pulled straight from its quarterly FDIC Call Report.
- $381M
- Total assets
- B
- Health grade · Good
- 0.95%
- Return on assets
- 12.4%
- Tier 1 capital
Data updated July 2026
The verdict
First National Bank in Port Lavaca earns a PlainBankData health grade of B (77/100), with well-capitalized at 12.36% Tier 1, 0.95% ROA, 61% efficiency ratio.
- #2,148
- largest of 4,313 FDIC banks by assets
- 50th
- percentile by asset size, nationally
- 12.36%
- Tier 1 ratio - above the 10% well-capitalized line
- 39th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First National Bank in Port Lavaca's 77/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First National Bank in Port Lavaca's composite health score
Tier 1 Capital Ratio (12.36%) 35/40
Return on Assets (ROA) (0.95%) 14/25
Texas Ratio (0.04%) 20/20
Efficiency Ratio (61.12%) 8/15
77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$313M
Customer-funded liabilities
Net Loans
$206M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First National Bank in Port Lavaca ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank in Port Lavaca's score of 77/100 falls in the highlighted band.
First National Bank in Port Lavaca's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First National Bank in Port Lavaca's $381M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.36% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.36%
Texas Ratio
0.04%
Equity Capital
$37M
Profitability metrics
Return on Assets (ROA)
39th percentile nationally
0.95%
Return on Equity (ROE)
10.41%
Efficiency Ratio
61.12%
What the numbers say about First National Bank in Port Lavaca
First National Bank in Port Lavaca is an FDIC-insured institution (Certificate #17811) headquartered in Port Lavaca, Texas, established in 1957. It holds $381M in total assets - 2,148th of 4,313 FDIC-insured banks, $313M in customer deposits, and $206M in net loans. Its capital position: a Tier 1 ratio of 12.36%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.04% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (77 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First National Bank in Port Lavaca sits 186th of 350 banks headquartered in Texas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$16M
Interest Income
$1M
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank in Port Lavaca reports a Texas Ratio of 0.04% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.04% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank in Port Lavaca (FDIC Cert #17811) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is First National Bank in Port Lavaca's health grade?▼
First National Bank in Port Lavaca receives a health grade of B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First National Bank in Port Lavaca?▼
First National Bank in Port Lavaca holds $381M in total assets and $313M in deposits, ranking 2,148th of 4,313 FDIC-insured banks by asset size. It is headquartered in Port Lavaca, Texas.
Is my money safe at First National Bank in Port Lavaca?▼
Yes, deposits at First National Bank in Port Lavaca (Certificate #17811) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First National Bank in Port Lavaca's Tier 1 Capital Ratio?▼
First National Bank in Port Lavaca has a Tier 1 Capital Ratio of 12.36%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First National Bank in Port Lavaca?▼
First National Bank in Port Lavaca has a Texas Ratio of 0.04%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First National Bank in Port Lavaca?▼
First National Bank in Port Lavaca has an Efficiency Ratio of 61.12%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First National Bank in Port Lavaca's profile as a depositor or analyst.
- First National Bank in Port Lavaca's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First National Bank in Port Lavaca against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.