BlastPoint's Banking Scorecard
Lea County State Bank
Community
Specialty: Other
NM
FDIC cert 12259
Hobbs, NM
1484
banks in Community tier nationally
11 in NM
View Community leaderboard (NM) →
Lea County State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 10.53% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 40% in Community
- - Delinquency Rate 3.43% above tier
- - Loan-to-Deposit Ratio 48.15% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$708.0M
+2.9% YoY
-2.0% QoQ
|
-$683.4M |
$1.4B
+2.0% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$222.6M
-2.9% YoY
+0.4% QoQ
|
-$752.9M |
$975.5M
+2.4% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$637.6M
+1.2% YoY
-3.1% QoQ
|
-$527.0M |
$1.2B
+1.7% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
1.63%
-14.8% YoY
-5.3% QoQ
|
+0.46% |
1.16%
+17.2% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
3.99%
+5.7% YoY
+2.1% QoQ
|
+0.32% |
3.66%
+9.1% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
53.13%
+2.9% YoY
-0.6% QoQ
|
-9.50% |
62.63%
-5.3% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
4.06%
+247.2% YoY
-27.5% QoQ
|
+3.43% |
0.63%
+18.3% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
34.92%
-4.0% YoY
+3.6% QoQ
|
-48.15% |
83.06%
+0.3% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.17%
+15.4% YoY
-2.2% QoQ
|
+9.13% |
21.05%
-0.9% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
1.28%
+227.9% YoY
-25.7% QoQ
|
+0.78% |
0.50%
+20.3% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
20.77%
+3.4% YoY
+3.7% QoQ
|
+10.53% |
10.24%
-0.6% YoY
|
12.47%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.51%
-20.6% YoY
+40.4% QoQ
|
-0.23% |
0.74%
-1.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 6%
in Community
Why this stands out
Current:
20.77%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Margin Compression
decline
#48 of 120 · Bottom 40% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.63%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
4.06%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
34.92%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Tier 1 Capital Ratio
Current: 20.77% · Tier avg: 10.24%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 30.17% · Tier avg: 21.05%
79
79th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.16%
77
77th pctile
Efficiency Ratio
Current: 53.13% · Tier avg: 62.63%
69
69th pctile
Net Interest Margin
Current: 3.99% · Tier avg: 3.66%
50
50th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
32
32th pctile
Total Deposits
Current: $637.6M · Tier avg: $1.2B
28
28th pctile
Total Assets
Current: $708.0M · Tier avg: $1.4B
14
14th pctile
Nonperforming Asset Ratio
Current: 1.28% · Tier avg: 0.50%
1
1th pctile
Total Loans
Current: $222.6M · Tier avg: $975.5M
1
1th pctile
Loan-to-Deposit Ratio
Current: 34.92% · Tier avg: 83.06%
0
0th pctile
Delinquency Rate
Current: 4.06% · Tier avg: 0.63%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 4.06% · Tier avg: 0.63%
1
1th pctile
Loan-to-Deposit Ratio
Current: 34.92% · Tier avg: 83.06%
1
1th pctile
Total Loans
Current: $222.6M · Tier avg: $975.5M
14
14th pctile
Nonperforming Asset Ratio
Current: 1.28% · Tier avg: 0.50%
28
28th pctile
Total Assets
Current: $708.0M · Tier avg: $1.4B
32
32th pctile
Total Deposits
Current: $637.6M · Tier avg: $1.2B
50
50th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
69
69th pctile
Net Interest Margin
Current: 3.99% · Tier avg: 3.66%
77
77th pctile
Efficiency Ratio
Current: 53.13% · Tier avg: 62.63%
79
79th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.16%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 30.17% · Tier avg: 21.05%
94
94th pctile
Tier 1 Capital Ratio
Current: 20.77% · Tier avg: 10.24%