Las Vegas, NV · Cert 59117 · Lexicon Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
65
Asset Quality
49
Profitability
74
Liquidity
6
Efficiency
66
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.
Las Vegas, NV · Cert 59117 · Lexicon Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2026 SOD (annual) · 0.4% share · #16 of 41 inst. · $0.4B of $95.0B
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 | 0.75% | 0.77% | 0.65% | 0.93% | 1.04% | 1.12% | 1.20% | 1.29% | +37 bps | |
| Return on Equity | 7.90% | 8.12% | 7.88% | 11.43% | 12.54% | 13.11% | 13.04% | 13.83% | +241 bps | |
| Net Interest Margin | 3.52% | 3.67% | 3.79% | 3.60% | 3.41% | 3.59% | 4.20% | 4.16% | +57 bps | |
| Efficiency Ratio | 72.21% | 72.71% | 69.35% | 65.70% | 63.79% | 63.22% | 62.68% | 62.24% | -345 bps | |
| Non-Interest Burden | 2.47% | 2.59% | 2.54% | 2.28% | 2.08% | 2.16% | 2.47% | 2.43% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.91% | 5.08% | 49.48% | 29.28% | 52.01% | 50.51% | 14.60% | 15.60% | -1,368 bps | |
| Loan Growth (YoY) | 7.57% | 2.09% | 6.54% | 7.74% | 13.97% | 14.10% | 15.23% | 13.54% | +580 bps | |
| Deposit Growth (YoY) | 16.63% | 8.25% | 59.63% | 35.14% | 54.20% | 51.47% | 12.13% | 13.45% | -2,169 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.25% | 1.04% | 0.93% | 0.79% | 0.75% | 0.74% | -30 bps | |
| Net Charge-Offs / Loans | 0.19% | 0.14% | 0.01% | 0.02% | 0.14% | 0.20% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 1.57% | 1.53% | 1.63% | 1.66% | 1.58% | 1.55% | 1.54% | 1.63% | -4 bps | |
| Allowance Coverage of NPLs | n/a | 5.8x | 6.5x | 1.6x | 1.7x | 2.0x | 2.1x | 2.2x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.06% | 10.45% | 9.34% | 8.39% | 8.96% | 9.18% | 9.72% | 9.77% | +138 bps | |
| Total Risk-Based Capital | 10.06% | 10.45% | 17.53% | 18.23% | 21.07% | 21.45% | 21.39% | 22.22% | +399 bps | |
| Equity / Assets | 9.71% | 9.73% | 7.22% | 7.82% | 8.82% | 9.34% | 9.07% | 9.67% | +185 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.94% | 67.23% | 47.80% | 50.32% | 48.00% | 50.65% | 49.12% | 50.37% | +4 bps | |
| Liquid Assets / Assets | 28.91% | 26.67% | 46.63% | 44.81% | 47.80% | 44.75% | 45.94% | 43.09% | -172 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 398% | 392% | 397% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.29% | 0.60% | 1.01% | 1.45% | Beats 67% | 205 / 629 | ||
| Return on Equity | 13.39% | 5.38% | 9.30% | 13.28% | Beats 76% | 153 / 629 | ||
| Net Interest Margin | 4.16% | 3.03% | 3.54% | 4.05% | Beats 80% | 126 / 629 | ||
| Efficiency Ratio | 62.24% | 58.35% | 67.79% | 79.08% | Beats 66% | 216 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.74% | 0.09% | 0.46% | 1.20% | Beats 37% | 367 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 60% | 233 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.96% | 11.24% | 13.84% | 18.77% | Beats 79% | 129 / 629 | ||
| Total Risk-Based Capital Ratio | 22.22% | 11.58% | 14.43% | 19.66% | Beats 80% | 125 / 629 | ||
| Equity / Assets | 9.67% | 9.09% | 10.65% | 13.80% | Beats 35% | 408 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.37% | 67.24% | 80.90% | 93.48% | 10th pctl | 532 / 594 | ||
| Loans / Assets | 45.16% | 53.31% | 67.71% | 78.15% | 17th pctl | 523 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||