PackageTrendsPeer
Letter portraitLegal landscape

Lexicon Bank

Las Vegas, NV · Cert 59117 · Lexicon Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

65

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

74

Q2 2024Q2 2026peer median (50)

Liquidity

6

Q2 2024Q2 2026peer median

Efficiency

66

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lexicon Bank

Las Vegas, NV · Cert 59117 · Lexicon Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$446.2MAssets
$201.5MLoans
$400.1MDeposits
$43.2MEquity
Loan mix
86%RE $175.9M9%C&I $18.0M5%Consumer $10.0MQ2 2025Q2 2026
Deposit mix
41%Interest-bearing $164.6M59%Noninterest $235.5MQ2 2025Q2 2026

NIM

4.90%Q2 ’244.67%Q2 ’254.95%Q2 ’26+7%+16%

Non-interest income vs. expense

2.64%Q2 ’242.53%Q2 ’252.86%Q2 ’26-4%+7%

Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2026 SOD (annual) · 0.4% share · #16 of 41 inst. · $0.4B of $95.0B

Executive Summary

  • Earnings: ROA of 1.29%, up 37 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 0.74% of loans (-30 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.77%, up 138 bps from a year ago.
  • Funding: loans stand at 50.37% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.29%+37 bps YoY

Net Interest Margin (YTD, annualized)

4.16%+57 bps YoY

Efficiency Ratio (YTD, annualized)

62.24%-345 bps YoY

Tier 1 Leverage Ratio

9.77%+138 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%1.04%1.12%1.20%1.29%+37 bps
Return on Equity11.43%12.54%13.11%13.04%13.83%+241 bps
Net Interest Margin3.60%3.41%3.59%4.20%4.16%+57 bps
Efficiency Ratio65.70%63.79%63.22%62.68%62.24%-345 bps
Non-Interest Burden2.28%2.08%2.16%2.47%2.43%+15 bps
Growth
Asset Growth (YoY)29.28%52.01%50.51%14.60%15.60%-1,368 bps
Loan Growth (YoY)7.74%13.97%14.10%15.23%13.54%+580 bps
Deposit Growth (YoY)35.14%54.20%51.47%12.13%13.45%-2,169 bps
Asset Quality
Nonperforming Loans / Loans1.04%0.93%0.79%0.75%0.74%-30 bps
Net Charge-Offs / Loans0.02%0.14%0.20%0.00%0.00%-2 bps
Allowance / Loans1.66%1.58%1.55%1.54%1.63%-4 bps
Allowance Coverage of NPLs1.6x1.7x2.0x2.1x2.2x+0.6x
Capital
Tier 1 Leverage Ratio8.39%8.96%9.18%9.72%9.77%+138 bps
Total Risk-Based Capital18.23%21.07%21.45%21.39%22.22%+399 bps
Equity / Assets7.82%8.82%9.34%9.07%9.67%+185 bps
Liquidity & Funding
Loans / Deposits50.32%48.00%50.65%49.12%50.37%+4 bps
Liquid Assets / Assets44.81%47.80%44.75%45.94%43.09%-172 bps
CRE / Total Capitaln/a398%392%397%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Lexicon Bank

Las Vegas, NV · Cert 59117 · Peer group: banks under $1B in assets (n=581-629) · Lexicon Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$446.2MAssets
$201.5MLoans
$400.1MDeposits
$43.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 80% of banks under $1B in assets (rank 126 of 629).
  • Widest gap: equity / assets trails 65% of banks under $1B in assets (rank 408 of 629).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.29%

Rank 205 of 629

Net Interest Margin

4.16%

Rank 126 of 629

Efficiency Ratio

62.24%

Rank 216 of 629

Equity / Assets

9.67%

Rank 408 of 629

Non-interest income vs. expense

$2.0M$13.0MINCOMEEXPENSE
Unfavorable gap of $11.0M · efficiency ratio beats 66% of banks under $1B in assets
Bank 62.24%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.29%0.60%1.01%1.45%Beats 67%205 / 629
Return on Equity13.39%5.38%9.30%13.28%Beats 76%153 / 629
Net Interest Margin4.16%3.03%3.54%4.05%Beats 80%126 / 629
Efficiency Ratio62.24%58.35%67.79%79.08%Beats 66%216 / 629
Asset Quality
Nonperforming Loans / Loans0.74%0.09%0.46%1.20%Beats 37%367 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 60%233 / 581
Capital
Tier 1 Capital Ratio20.96%11.24%13.84%18.77%Beats 79%129 / 629
Total Risk-Based Capital Ratio22.22%11.58%14.43%19.66%Beats 80%125 / 629
Equity / Assets9.67%9.09%10.65%13.80%Beats 35%408 / 629
Liquidity & Funding
Loans / Deposits50.37%67.24%80.90%93.48%10th pctl532 / 594
Loans / Assets45.16%53.31%67.71%78.15%17th pctl523 / 629
Brokered Deposits / Depositsn/aNot reported for this institution