LAMAR BANK AND TRUST COMPANY

LAMAR, MO | Small | Est. March 25, 1925, midnight | FDIC #1964 | RSSD #767255 | FED
Latest Report: 2025-12-31

LAMAR BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in LAMAR, MO, established in March 25, 1925, midnight. As of 2025-12-31, the bank reported total assets of $260M and total deposits of $220M. Profitability stands at 1.88% ROA and 22.49% ROE, with a net interest margin of 4.54%. The bank's CET1 capital ratio is 8.43%. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 0.52%. FDIC Certificate #1964.

Assets

$260M

Deposits

$220M

Loans

$198M

Equity

$22M

Profitability

Return on Assets (ROA) 1.88%
Return on Equity (ROE) 22.49%
Net Interest Margin (NIM) 4.54%
Yield on Assets 6.30%
Cost of Funds 1.79%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.52%
NPA Ratio 0.05%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 8.43%
Tier 1 Capital 8.43%
Total Capital Ratio 8.85%
Leverage Ratio 10.30%
Loan-to-Deposit 89.97%

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