BlastPoint's Banking Scorecard
Lexicon Bank
Micro
Specialty: Commercial
NV
FDIC cert 59117
Designations: ✓ Community bank
Las Vegas, NV
2498
banks in Micro tier nationally
7 in NV
View Micro leaderboard (NV) →
Lexicon Bank shows strong momentum with 1 strength and 50.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 40.36% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$432.7M
+50.5% YoY
-1.8% QoQ
|
+$215.2M |
$217.5M
+2.3% YoY
|
$3.2B
+14.2% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$193.7M
+14.1% YoY
+2.9% QoQ
|
+$54.5M |
$139.2M
+2.8% YoY
|
$1.5B
+26.6% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$388.4M
+51.5% YoY
-2.5% QoQ
|
+$204.7M |
$183.7M
+1.8% YoY
|
$2.0B
+4.4% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
1.12%
+44.7% YoY
+7.4% QoQ
|
+0.03% |
1.08%
+14.7% YoY
|
1.39%
+1.9% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
4.33%
+10.6% YoY
+3.3% QoQ
|
+0.48% |
3.85%
+6.6% YoY
|
3.77%
+2.0% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
63.22%
-13.1% YoY
-0.9% QoQ
|
-4.51% |
67.73%
-4.8% YoY
|
57.14%
-2.3% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? |
0.80%
+199.6% YoY
-15.4% QoQ
|
+0.16% |
0.64%
+24.4% YoY
|
1.13%
+57.4% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
49.86%
-24.7% YoY
+5.6% QoQ
|
-24.66% |
74.53%
+0.5% YoY
|
79.84%
-0.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
62.75%
+32.0% YoY
-0.5% QoQ
|
+40.36% |
22.39%
-1.3% YoY
|
23.03%
-6.8% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.36%
+127.1% YoY
-11.4% QoQ
|
-0.09% |
0.45%
+25.1% YoY
|
0.59%
-6.4% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
20.20%
+2.0% QoQ
|
+11.35% |
8.85%
-3.4% YoY
|
6.71%
-20.9% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.31%
+12.3% YoY
+49.3% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
0.78%
-34.8% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
62.75%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
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
Non-Interest-Bearing Deposit Share
Current: 62.75% · Tier avg: 22.39%
96
96th pctile
Total Deposits
Current: $388.4M · Tier avg: $183.7M
92
92th pctile
Total Assets
Current: $432.7M · Tier avg: $217.5M
87
87th pctile
Tier 1 Capital Ratio
Current: 20.20% · Tier avg: 8.85%
73
73th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.85%
72
72th pctile
Total Loans
Current: $193.7M · Tier avg: $139.2M
58
58th pctile
Efficiency Ratio
Current: 63.22% · Tier avg: 67.73%
54
54th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.08%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.45%
43
43th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
34
34th pctile
Delinquency Rate
Current: 0.80% · Tier avg: 0.64%
13
13th pctile
Loan-to-Deposit Ratio
Current: 49.86% · Tier avg: 74.53%
Top Weaknesses
13
13th pctile
Loan-to-Deposit Ratio
Current: 49.86% · Tier avg: 74.53%
34
34th pctile
Delinquency Rate
Current: 0.80% · Tier avg: 0.64%
43
43th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.45%
54
54th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.08%
58
58th pctile
Efficiency Ratio
Current: 63.22% · Tier avg: 67.73%
72
72th pctile
Total Loans
Current: $193.7M · Tier avg: $139.2M
73
73th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.85%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.20% · Tier avg: 8.85%
92
92th pctile
Total Assets
Current: $432.7M · Tier avg: $217.5M
96
96th pctile
Total Deposits
Current: $388.4M · Tier avg: $183.7M
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 62.75% · Tier avg: 22.39%