LEA COUNTY STATE BANK

HOBBS, NM | Medium | Est. Jan. 1, 1928, midnight | FDIC #12259 | RSSD #1015252 | FED
Latest Report: 2025-12-31

LEA COUNTY STATE BANK is amn medium FDIC-insured commercial bank headquartered in HOBBS, NM, established in Jan. 1, 1928, midnight. As of 2025-12-31, the bank reported total assets of $708M and total deposits of $638M. Profitability stands at 1.34% ROA and 18.53% ROE, with a net interest margin of 4.33%. The bank's CET1 capital ratio is 20.77%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 4.01% and a Texas Ratio of 15.58%. FDIC Certificate #12259.

Assets

$708M

Deposits

$638M

Loans

$225M

Equity

$55M

Profitability

Return on Assets (ROA) 1.34%
Return on Equity (ROE) 18.53%
Net Interest Margin (NIM) 4.33%
Yield on Assets 5.39%
Cost of Funds 1.07%

Asset Quality

NPL Ratio 4.01%
Net Charge-Off Ratio 0.12%
Texas Ratio 15.58%
NPA Ratio 1.28%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 20.77%
Tier 1 Capital 20.77%
Total Capital Ratio 21.69%
Leverage Ratio 9.16%
Loan-to-Deposit 35.36%

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