Lamar Bank and Trust Company
Lamar, MO · Cert 1964 · Peer group: banks under $1B in assets in MO (n=82-83) · Lamar Trust Bancshares Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
$269.0MAssets
$205.2MLoans
$235.1MDeposits
$22.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 80% of banks under $1B in assets in MO (rank 17 of 83).
- Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets in MO (rank 76 of 83).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.39%
Rank 38 of 83
Net Interest Margin
4.14%
Rank 24 of 83
Efficiency Ratio
61.97%
Rank 53 of 83
Equity / Assets
8.28%
Rank 71 of 83
Non-interest income vs. expense
Unfavorable gap of $6.2M · efficiency ratio beats 37% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.39% | 0.96% | 1.32% | 1.75% | Beats 54% | 38 / 83 | |
| Return on Equity | 16.78% | 9.66% | 12.96% | 15.76% | Beats 80% | 17 / 83 | |
| Net Interest Margin | 4.14% | 3.35% | 3.85% | 4.16% | Beats 71% | 24 / 83 | |
| Efficiency Ratio | 61.97% | 49.83% | 58.83% | 68.51% | Beats 37% | 53 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.08% | 0.51% | 1.01% | Beats 80% | 17 / 82 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 59% | 36 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 10.20% | 11.01% | 12.49% | 14.98% | Beats 12% | 73 / 83 | |
| Total Risk-Based Capital Ratio | 10.20% | 11.13% | 13.01% | 15.10% | Beats 8% | 76 / 83 | |
| Equity / Assets | 8.28% | 8.83% | 10.71% | 13.29% | Beats 14% | 71 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 87.28% | 69.28% | 83.22% | 91.21% | 62nd pctl | 31 / 82 | |
| Loans / Assets | 76.27% | 59.34% | 71.15% | 78.36% | 64th pctl | 30 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |