| Metric | Lamar National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +4.4% | -3.1 pts |
| Deposit growth (YoY) | +4.3% | +4.0% | +0.3 pts |
| Loan growth (YoY) | -7.6% | +5.6% | -13.2 pts |
| ROA | 0.73% | 1.24% | -0.5 pts |
| ROE | 8.6% | 11.9% | -3.3 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $375.9M | $335.9M | $218.0M | $33.0M | $1.4M | 0.73% | 4.32% | 0.26% |
| Q1 2026 | $392.6M | $353.6M | $227.0M | $31.9M | $639K | 0.67% | 4.21% | 0.17% |
| Q4 2025 | $375.9M | $327.6M | $240.0M | $32.7M | $2.5M | 0.67% | 4.33% | 0.09% |
| Q3 2025 | $368.8M | $330.9M | $226.6M | $30.9M | $1.8M | 0.65% | 4.33% | 0.16% |
| Q2 2025 | $371.1M | $322.1M | $235.8M | $28.7M | $1.2M | 0.62% | 4.31% | 0.00% |
| Q1 2025 | $376.4M | $315.2M | $237.0M | $27.7M | $615K | 0.65% | 4.21% | 0.00% |
| Q4 2024 | $379.4M | $332.4M | $235.6M | $27.9M | $1.8M | 0.47% | 4.12% | 0.15% |
| Q3 2024 | $372.3M | $317.3M | $229.4M | $29.0M | $1.4M | 0.50% | 4.09% | 0.08% |
Loan mix (Q2 2026): real estate $203.5M · commercial $15.0M · consumer $1.6M · securities $79.5M
| Ratio | Lamar National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 1.24% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 11.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 62.9% | 84th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Lamar National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Lamar National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Lamar National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Lamar National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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