| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +4.4% | -2.2 pts |
| Deposit growth (YoY) | +1.2% | +4.0% | -2.8 pts |
| Loan growth (YoY) | -18.8% | +5.6% | -24.4 pts |
| ROA | 2.24% | 1.24% | +1.0 pts |
| ROE | 19.4% | 11.9% | +7.5 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $426.8M | $375.1M | $59.1M | $50.7M | $4.9M | 2.24% | 3.24% | 0.25% |
| Q1 2026 | $441.3M | $389.7M | $56.4M | $50.6M | $2.4M | 2.15% | 3.16% | 0.26% |
| Q4 2025 | $436.7M | $386.1M | $77.1M | $49.4M | $8.4M | 1.99% | 3.14% | 0.24% |
| Q3 2025 | $427.8M | $377.6M | $75.7M | $48.7M | $6.2M | 1.98% | 3.09% | 0.25% |
| Q2 2025 | $417.8M | $370.7M | $72.8M | $46.1M | $4.2M | 2.02% | 3.03% | 0.26% |
| Q1 2025 | $414.9M | $369.2M | $72.9M | $44.7M | $2.0M | 1.96% | 2.98% | 0.29% |
| Q4 2024 | $411.5M | $369.1M | $87.5M | $41.4M | $5.2M | 1.29% | 2.25% | 0.28% |
| Q3 2024 | $395.7M | $352.0M | $88.5M | $42.6M | $3.5M | 1.19% | 2.06% | 0.27% |
Loan mix (Q2 2026): real estate $12.4M · commercial $8.2M · consumer $689K · securities $306.9M
| Ratio | The Lamesa National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.24% | 1.24% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 19.4% | 11.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 29.8% | 62.9% | 1th |
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 | The Lamesa 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 | The Lamesa 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 | The Lamesa 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 | The Lamesa 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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