Lamesa National Bank, The
Lamesa, TX · Cert 3292 · Peer group: banks under $1B in assets in TX (n=208-211)
National charter · OCC · 1 branch
Q2 2026
$426.8MAssets
$60.8MLoans
$375.1MDeposits
$50.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
- Widest gap: nonperforming loans / loans trails 81% of banks under $1B in assets in TX (rank 170 of 208).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.79%
Rank 34 of 211
Net Interest Margin
3.12%
Rank 168 of 211
Efficiency Ratio
29.84%
Rank 3 of 211
Equity / Assets
11.87%
Rank 83 of 211
Non-interest income vs. expense
Unfavorable gap of $3.9M · efficiency ratio beats 99% 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 | 1.79% | 0.87% | 1.20% | 1.65% | Beats 84% | 34 / 211 | |
| Return on Equity | 15.08% | 7.52% | 11.67% | 14.58% | Beats 78% | 47 / 211 | |
| Net Interest Margin | 3.12% | 3.28% | 3.82% | 4.31% | Beats 20% | 168 / 211 | |
| Efficiency Ratio | 29.84% | 53.01% | 64.18% | 73.65% | Beats 99% | 3 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.74% | 0.01% | 0.30% | 1.10% | Beats 19% | 170 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 41.91% | 11.72% | 14.45% | 19.57% | Beats 95% | 10 / 211 | |
| Total Risk-Based Capital Ratio | 43.16% | 11.94% | 14.78% | 20.30% | Beats 95% | 10 / 211 | |
| Equity / Assets | 11.87% | 9.41% | 11.06% | 12.94% | Beats 61% | 83 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 16.22% | 45.39% | 66.56% | 82.03% | 2nd pctl | 204 / 208 | |
| Loans / Assets | 14.25% | 39.13% | 56.90% | 70.46% | 4th pctl | 203 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |