LAMESA NATIONAL BANK, THE

LAMESA, TX | Small | Est. July 30, 1927, midnight | FDIC #3292 | RSSD #623052 | OCC
Latest Report: 2025-12-31

LAMESA NATIONAL BANK, THE is asn small FDIC-insured commercial bank headquartered in LAMESA, TX, established in July 30, 1927, midnight. As of 2025-12-31, the bank reported total assets of $437M and total deposits of $386M. Profitability stands at 2.01% ROA and 17.71% ROE, with a net interest margin of 3.45%. The bank's CET1 capital ratio is 34.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.34% and a Texas Ratio of 2.07%. FDIC Certificate #3292.

Assets

$437M

Deposits

$386M

Loans

$79M

Equity

$49M

Profitability

Return on Assets (ROA) 2.01%
Return on Equity (ROE) 17.71%
Net Interest Margin (NIM) 3.45%
Yield on Assets 4.75%
Cost of Funds 1.35%

Asset Quality

NPL Ratio 1.34%
Net Charge-Off Ratio -0.03%
Texas Ratio 2.07%
NPA Ratio 0.24%
ACL / Loans 2.17%

Capital & Liquidity

CET1 Ratio 34.70%
Tier 1 Capital 34.70%
Total Capital Ratio 35.93%
Leverage Ratio 11.33%
Loan-to-Deposit 20.42%

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