Lamar, MO · Cert 1964 · Lamar Trust Bancshares Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 1.42% | 1.32% | 1.56% | 1.52% | 1.52% | 1.45% | 1.42% | -15 bps | |
| Return on Equity | 18.34% | 18.71% | 17.29% | 20.14% | 19.28% | 18.97% | 17.29% | 16.93% | -321 bps | |
| Net Interest Margin | 3.49% | 3.56% | 3.74% | 3.86% | 3.96% | 4.02% | 4.10% | 4.14% | +28 bps | |
| Efficiency Ratio | 56.36% | 57.09% | 57.27% | 54.80% | 56.30% | 57.55% | 59.30% | 61.97% | +717 bps | |
| Non-Interest Burden | 1.68% | 1.75% | 1.85% | 1.82% | 1.94% | 2.03% | 2.18% | 2.34% | +52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.75% | 0.27% | 7.89% | 5.44% | 6.05% | 7.50% | 1.79% | 3.84% | -159 bps | |
| Loan Growth (YoY) | 6.89% | 7.85% | 16.29% | 12.85% | 10.74% | 10.64% | -0.13% | 4.95% | -790 bps | |
| Deposit Growth (YoY) | 8.79% | 4.26% | 12.19% | 3.43% | 4.33% | 3.50% | 1.05% | 4.91% | +148 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.19% | 0.14% | 0.07% | 0.07% | 0.06% | 0.09% | 0.05% | -2 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.06% | 0.03% | 0.02% | 0.02% | 0.01% | 0.01% | -2 bps | |
| Allowance / Loans | 1.10% | 1.06% | 1.00% | 1.00% | 1.06% | 1.06% | 1.07% | 1.03% | +2 bps | |
| Allowance Coverage of NPLs | 9.1x | 5.7x | 6.9x | 14.2x | 15.8x | 16.7x | 12.2x | 22.4x | +8.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.14% | 10.32% | 10.20% | 10.22% | 10.30% | 10.30% | 10.17% | 10.20% | -2 bps | |
| Total Risk-Based Capital | 10.14% | 10.32% | 10.20% | 10.22% | 10.30% | 10.30% | 10.17% | 10.20% | -2 bps | |
| Equity / Assets | 7.98% | 7.55% | 7.66% | 8.08% | 8.26% | 8.43% | 8.39% | 8.28% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.96% | 84.17% | 86.52% | 87.25% | 88.06% | 89.97% | 85.51% | 87.28% | +4 bps | |
| Liquid Assets / Assets | 5.96% | 5.15% | 4.80% | 5.14% | 5.28% | 4.31% | 6.69% | 4.65% | -49 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 286% | 295% | 297% | n/a | n/a | |