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Lamar Bank and Trust Company

Lamar, MO · Cert 1964 · Lamar Trust Bancshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$269.0MAssets
$205.2MLoans
$235.1MDeposits
$22.3MEquity
Loan mix
85%RE $158.6M11%C&I $21.4M3%Consumer $5.9MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $186.9M20%Noninterest $48.2MQ2 2025Q2 2026

NIM

5.56%Q2 ’245.94%Q2 ’255.76%Q2 ’26+12%+4%

Non-interest income vs. expense

2.30%Q2 ’242.47%Q2 ’253.10%Q2 ’26+13%+37%

Executive Summary

  • Earnings: ROA of 1.38%, down 41 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.05% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.20%, down 2 bps from a year ago.
  • Funding: loans stand at 87.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.38%-41 bps YoY

Net Interest Margin (quarter, annualized)

4.23%+15 bps YoY

Efficiency Ratio (quarter, annualized)

64.56%+1,204 bps YoY

Tier 1 Leverage Ratio

10.20%-2 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.79%1.44%1.48%1.45%1.38%-41 bps
Return on Equity22.77%17.56%17.75%17.29%16.61%-616 bps
Net Interest Margin4.07%4.10%4.24%4.10%4.23%+15 bps
Efficiency Ratio52.53%59.16%61.07%59.30%64.56%+1,204 bps
Non-Interest Burden1.84%2.15%2.33%2.18%2.52%+68 bps
Growth
Asset Growth (YoY)5.44%6.05%7.50%1.79%3.84%-159 bps
Loan Growth (YoY)12.85%10.74%10.64%-0.13%4.95%-790 bps
Deposit Growth (YoY)3.43%4.33%3.50%1.05%4.91%+148 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.07%0.06%0.09%0.05%-2 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.01%0.00%0 bps
Allowance / Loans1.00%1.06%1.06%1.07%1.03%+2 bps
Allowance Coverage of NPLs14.2x15.8x16.7x12.2x22.4x+8.2x
Capital
Tier 1 Leverage Ratio10.22%10.30%10.30%10.17%10.20%-2 bps
Total Risk-Based Capital10.22%10.30%10.30%10.17%10.20%-2 bps
Equity / Assets8.08%8.26%8.43%8.39%8.28%+20 bps
Liquidity & Funding
Loans / Deposits87.25%88.06%89.97%85.51%87.28%+4 bps
Liquid Assets / Assets5.14%5.28%4.31%6.69%4.65%-49 bps
CRE / Total Capitaln/a286%295%297%n/an/a