Lovelady State Bank
Lovelady, TX · Cert 21807 · Peer group: banks under $1B in assets in TX (n=208-211)
State charter, non-member · FDIC · 1 branch
Q2 2026
$52.5MAssets
$23.6MLoans
$44.9MDeposits
$6.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
- Widest gap: efficiency ratio trails 79% of banks under $1B in assets in TX (rank 167 of 211).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.95%
Rank 147 of 211
Net Interest Margin
4.07%
Rank 81 of 211
Efficiency Ratio
75.48%
Rank 167 of 211
Equity / Assets
12.62%
Rank 63 of 211
Non-interest income vs. expense
Unfavorable gap of $1.5M · efficiency ratio beats 21% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.87% | 1.20% | 1.65% | Beats 30% | 147 / 211 | |
| Return on Equity | 7.54% | 7.52% | 11.67% | 14.58% | Beats 25% | 158 / 211 | |
| Net Interest Margin | 4.07% | 3.28% | 3.82% | 4.31% | Beats 62% | 81 / 211 | |
| Efficiency Ratio | 75.48% | 53.01% | 64.18% | 73.65% | Beats 21% | 167 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.42% | 0.01% | 0.30% | 1.10% | Beats 22% | 163 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 23.40% | 11.72% | 14.45% | 19.57% | Beats 83% | 36 / 211 | |
| Total Risk-Based Capital Ratio | 24.56% | 11.94% | 14.78% | 20.30% | Beats 83% | 36 / 211 | |
| Equity / Assets | 12.62% | 9.41% | 11.06% | 12.94% | Beats 70% | 63 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 52.51% | 45.39% | 66.56% | 82.03% | 28th pctl | 149 / 208 | |
| Loans / Assets | 44.88% | 39.13% | 56.90% | 70.46% | 29th pctl | 150 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |