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First National Bank Of Lake Jackson

Lake Jackson, TX · Est. 1963 · Website ↗
F
Trust Grade
Weak
Score: 55/100

First National Bank Of Lake Jackson is a bank based in Lake Jackson, Texas, established in 1963, with $211 million in total assets across 2 branches. By Trust Grade it ranks 348th of 349 banks we track in Texas. Its capital ratio of 3.2% trails most similarly sized banks (0th percentile), versus a Texas median of 10.9%. It was profitable over the most recent period, with a 0.34% return on assets. No consumer complaints against First National Bank Of Lake Jackson appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$211.2M
$100M–1B institution
Deposits
$203.7M
Branches
2
Capital ratio
3.2%
Bottom 0% of $100M–1B peers · Texas median 10.9%
Return on assets
0.3%
Bottom 9% of $100M–1B peers · Texas median 1.38%
Rank in Texas
#348
of 349 banks

How First National Bank Of Lake Jackson compares to Texas peers

Capital ratio
Bottom 0% of $100M–1B peers
First National
3.2%
Texas median
10.9%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 9% of $100M–1B peers
First National
0.3%
Texas median
1.4%
Higher ROA = more profitable relative to asset base

How we graded First National Bank Of Lake Jackson

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
55/100
Customer experience
n/a
Overall
F · 55
  • Below the well-capitalized threshold (3.2%)
  • Profitable (ROA 0.34%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for First National Bank Of Lake Jackson over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (2)

  • 122 West Way, Lake Jackson, TX 77566
  • 100 E Highway 332, Brazoria, TX 77422

Are deposits at First National Bank Of Lake Jackson insured?

Yes. First National Bank Of Lake Jackson is an FDIC-insured bank (FDIC certificate #18895). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

First National Bank Of Lake Jackson: frequently asked questions

Is First National Bank Of Lake Jackson a good bank?

First National Bank Of Lake Jackson earns a Bankzia Trust Grade of F (55/100, "Weak"), based on a financial-strength score of 55/100 (it has no CFPB complaints on record). Below the well-capitalized threshold (3.2%); Profitable (ROA 0.34%).

Is First National Bank Of Lake Jackson FDIC-insured?

Yes. First National Bank Of Lake Jackson is a FDIC-insured bank (FDIC certificate #18895). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is First National Bank Of Lake Jackson?

First National Bank Of Lake Jackson holds $211 million in total assets, ranking 348th of 349 banks we track in Texas. It operates 2 branches.

Does First National Bank Of Lake Jackson have CFPB complaints?

No CFPB complaints against First National Bank Of Lake Jackson appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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