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Letter portraitLegal landscapeQuarterYTD

Lamesa National Bank, The

Lamesa, TX · Cert 3292

National charter · OCC · 1 branch

Q2 2026

$426.8MAssets
$60.8MLoans
$375.1MDeposits
$50.7MEquity
Loan mix
57%RE $12.5M40%C&I $8.7M3%Consumer $0.7MQ2 2025Q2 2026
Deposit mix
57%Interest-bearing $213.4M43%Noninterest $161.7MQ2 2025Q2 2026

NIM

3.30%Q2 ’244.17%Q2 ’254.22%Q2 ’26+47%+7%

Non-interest income vs. expense

0.86%Q2 ’240.96%Q2 ’250.95%Q2 ’26+14%-1%

Executive Summary

  • Earnings: ROA of 1.76%, up 17 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 1.74% of loans (+30 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 11.95%, up 69 bps from a year ago.
  • Funding: loans stand at 16.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.76%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+20 bps YoY

Efficiency Ratio (YTD, annualized)

29.84%-247 bps YoY

Tier 1 Leverage Ratio

11.95%+69 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%1.56%1.57%1.69%1.76%+17 bps
Return on Equity14.94%14.41%14.37%14.86%15.22%+28 bps
Net Interest Margin2.91%2.93%2.97%3.04%3.12%+20 bps
Efficiency Ratio32.30%33.90%35.00%30.87%29.84%-247 bps
Non-Interest Burden0.91%0.99%1.02%0.90%0.89%-1 bps
Growth
Asset Growth (YoY)8.68%8.10%6.14%6.36%2.16%-653 bps
Loan Growth (YoY)-6.60%-14.00%-11.61%-22.09%-18.45%-1,185 bps
Deposit Growth (YoY)7.19%7.27%4.62%5.55%1.17%-602 bps
Asset Quality
Nonperforming Loans / Loans1.45%1.37%1.34%1.98%1.74%+30 bps
Net Charge-Offs / Loans-0.33%-0.22%-0.03%-0.04%-0.02%+31 bps
Allowance / Loans2.43%2.34%2.17%2.95%2.82%+39 bps
Allowance Coverage of NPLs1.7x1.7x1.6x1.5x1.6x-0.1x
Capital
Tier 1 Leverage Ratio11.26%11.33%11.33%11.62%11.95%+69 bps
Total Risk-Based Capital29.24%36.11%35.93%42.62%43.16%+1,392 bps
Equity / Assets11.03%11.39%11.30%11.47%11.87%+84 bps
Liquidity & Funding
Loans / Deposits20.12%20.54%20.42%14.92%16.22%-390 bps
Liquid Assets / Assets2.89%3.54%3.71%5.29%2.95%+6 bps
CRE / Total Capitaln/a12.79%11.89%10.49%n/an/a