LAMAR NATIONAL BANK

PARIS, TX | Small | Est. Oct. 26, 1981, midnight | FDIC #23597 | RSSD #2161 | OCC
Latest Report: 2025-12-31

LAMAR NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in PARIS, TX, established in Oct. 26, 1981, midnight. As of 2025-12-31, the bank reported total assets of $376M and total deposits of $328M. Profitability stands at 0.73% ROA and 8.50% ROE, with a net interest margin of 4.19%. The bank's CET1 capital ratio is 8.69%. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 0.90%. FDIC Certificate #23597.

Assets

$376M

Deposits

$328M

Loans

$243M

Equity

$33M

Profitability

Return on Assets (ROA) 0.73%
Return on Equity (ROE) 8.50%
Net Interest Margin (NIM) 4.19%
Yield on Assets 5.90%
Cost of Funds 1.76%

Asset Quality

NPL Ratio 0.13%
Net Charge-Off Ratio -0.04%
Texas Ratio 0.90%
NPA Ratio 0.09%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 8.69%
Tier 1 Capital 8.69%
Total Capital Ratio 9.13%
Leverage Ratio 10.87%
Loan-to-Deposit 74.23%

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