Bank Comparison
Lamar National Bank vs Owen County State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Lamar National Bank | Owen County State Bank |
|---|---|---|
| CET1 Ratio | — | 12.61% |
| Tier 1 Capital Ratio | — | 12.61% |
| Total Capital Ratio | — | 13.86% |
| Tier 1 Leverage Ratio | 10.49% | 8.50% |
| Equity / Assets | 8.14% | 6.79% |
Profitability
| Metric | Lamar National Bank | Owen County State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.67% | 0.70% |
| Return on Equity (ROE) | 7.91% | 10.61% |
| Net Interest Margin (NIM) | 4.08% | 3.34% |
| Yield on Earning Assets | 5.69% | 5.60% |
| Cost of Funds | 1.65% | 2.38% |
Asset quality
| Metric | Lamar National Bank | Owen County State Bank |
|---|---|---|
| Texas Ratio | 1.87% | 7.94% |
| Non-Performing Loan Ratio | 0.14% | 0.72% |
| Non-Performing Asset Ratio | 0.17% | 0.50% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.39% | 1.30% |
Balance sheet
| Metric | Lamar National Bank | Owen County State Bank |
|---|---|---|
| Total Assets | $392,569K | $391,553K |
| Total Deposits | $353,648K | $326,709K |
| Total Loans | $230,185K | $268,289K |
| Total Equity | $31,944K | $26,587K |
| Net Income (quarter) | $639 | $700 |
Liquidity & funding
| Metric | Lamar National Bank | Owen County State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 65.09% | 82.12% |
| Core Deposit Ratio | 95.43% | 92.74% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Lamar National Bank | Owen County State Bank |
|---|---|---|
| Headquarters City | PARIS | SPENCER |
| Headquarters State | TX | IN |
| Asset Tier | Small | Small |
| Charter Class | 17106 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 6 | 8 |
| Employees (FTE) | 68 | 75 |
| Established | Oct. 26, 1981, midnight | Jan. 1, 1934, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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