BlastPoint's Banking Scorecard
The Lamesa National Bank
Micro
Specialty: Agricultural
TX
FDIC cert 3292
Designations: ✓ Community bank
Lamesa, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The Lamesa National Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.90% above tier
- + Efficiency Ratio 32.73% below tier
- + Loan-to-Deposit Ratio 54.55% below tier
- + Non-Interest-Bearing Deposit Share 20.14% above tier
- + Tier 1 Capital Ratio 25.85% above tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.54% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$436.7M
+6.1% YoY
+2.1% QoQ
|
+$219.2M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$77.1M
-11.9% YoY
+1.8% QoQ
|
-$62.0M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$386.1M
+4.6% YoY
+2.2% QoQ
|
+$202.4M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
1.99%
+53.9% YoY
+0.3% QoQ
|
+0.90% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
3.14%
+39.7% YoY
+1.6% QoQ
|
-0.71% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
35.00%
-17.8% YoY
+3.2% QoQ
|
-32.73% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
1.37%
+6.0% YoY
-1.7% QoQ
|
+0.73% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
19.98%
-15.7% YoY
-0.4% QoQ
|
-54.55% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
42.53%
-2.5% YoY
+3.5% QoQ
|
+20.14% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.24%
-12.0% YoY
-2.0% QoQ
|
-0.21% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
34.70%
+48.1% YoY
-0.5% QoQ
|
+25.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.02%
-63.3% YoY
+185.2% QoQ
|
-0.54% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (5)
Return on Assets
metric
Top 10%
in Micro
Why this stands out
Current:
1.99%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
35.00%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
19.98%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Micro
Why this stands out
Current:
42.53%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
34.70%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.02%
(Tier avg: 0.56%, National avg: 0.65%)
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
99
99th pctile
Loan-to-Deposit Ratio
Current: 19.98% · Tier avg: 74.53%
99
99th pctile
Efficiency Ratio
Current: 35.00% · Tier avg: 67.73%
98
98th pctile
Tier 1 Capital Ratio
Current: 34.70% · Tier avg: 8.85%
95
95th pctile
Total Deposits
Current: $386.1M · Tier avg: $183.7M
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 42.53% · Tier avg: 22.39%
93
93th pctile
Total Assets
Current: $436.7M · Tier avg: $217.5M
90
90th pctile
Return on Assets
Current: 1.99% · Tier avg: 1.08%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
32
32th pctile
Total Loans
Current: $77.1M · Tier avg: $139.2M
21
21th pctile
Delinquency Rate
Current: 1.37% · Tier avg: 0.64%
20
20th pctile
Net Interest Margin
Current: 3.14% · Tier avg: 3.85%
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
20
20th pctile
Net Interest Margin
Current: 3.14% · Tier avg: 3.85%
21
21th pctile
Delinquency Rate
Current: 1.37% · Tier avg: 0.64%
32
32th pctile
Total Loans
Current: $77.1M · Tier avg: $139.2M
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
90
90th pctile
Return on Assets
Current: 1.99% · Tier avg: 1.08%
93
93th pctile
Total Assets
Current: $436.7M · Tier avg: $217.5M
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 42.53% · Tier avg: 22.39%
95
95th pctile
Total Deposits
Current: $386.1M · Tier avg: $183.7M
98
98th pctile
Tier 1 Capital Ratio
Current: 34.70% · Tier avg: 8.85%
99
99th pctile
Efficiency Ratio
Current: 35.00% · Tier avg: 67.73%
99
99th pctile
Loan-to-Deposit Ratio
Current: 19.98% · Tier avg: 74.53%