Lea County State Bank
Total assets
$738.3M
▲ +1.7% YoY
Deposits
$662.4M
▼ -0.7% YoY
Loans
$229.5M
▲ +1.5% YoY
Offices
3
LEA COUNTY BANCSHARES INC
ROA (annualized)
1.58%
peers 1.28%
ROE (annualized)
20.47%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Lea County State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +4.9% | -3.2 pts |
| Deposit growth (YoY) | -0.7% | +4.3% | -5.0 pts |
| Loan growth (YoY) | +1.5% | +5.3% | -3.9 pts |
| ROA | 1.58% | 1.28% | +0.3 pts |
| ROE | 20.5% | 12.4% | +8.0 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
Profile
- Established
- 1928
- Charter
- State
- Primary regulator
- FED
- Holding company
- LEA COUNTY BANCSHARES INC
- Specialization
- Other Specialized Under 1 Billion
- Address
- 1017 N Turner St, Hobbs, NM, 88240
- County
- Lea
- Metro area
- Hobbs, NM
- Offices
- 3
- FDIC cert #
- 12259
- RSSD ID
- 1015252
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $738.3M | $662.4M | $229.5M | $57.8M | $5.7M | 1.58% | 3.99% | 1.14% |
| Q1 2026 | $718.6M | $644.6M | $221.0M | $53.6M | $3.1M | 1.74% | 3.95% | 1.34% |
| Q4 2025 | $708.0M | $637.6M | $222.6M | $55.2M | $11.5M | 1.63% | 3.99% | 1.28% |
| Q3 2025 | $722.3M | $657.8M | $221.6M | $48.1M | $9.1M | 1.72% | 3.91% | 1.72% |
| Q2 2025 | $725.7M | $667.2M | $226.2M | $43.0M | $5.9M | 1.67% | 3.85% | 1.74% |
| Q1 2025 | $689.8M | $628.8M | $226.5M | $42.1M | $3.3M | 1.92% | 3.96% | 0.40% |
| Q4 2024 | $688.2M | $629.9M | $229.2M | $40.8M | $13.6M | 1.91% | 3.77% | 0.39% |
| Q3 2024 | $778.9M | $635.7M | $228.2M | $47.0M | $11.4M | 2.11% | 3.75% | 0.24% |
Loan mix (Q2 2026): real estate $67.6M · commercial $123.3M · consumer $18.7M · securities $449.8M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Lea County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 1.28% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 20.5% | 12.4% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.89% | 55th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.0% | 61.2% | 25th | |
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% |
Balance sheet
| Ratio | Lea County State 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% |
Capital
| Ratio | Lea County State 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% |
Credit quality
| Ratio | Lea County State 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% |
Franchise
| Ratio | Lea County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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