Lamar National Bank
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Data as of · sourced from FFIEC call reports. How we update
Lamar National Bank is an FDIC-insured commercial bank headquartered in Paris, TX, established in 1981 (FDIC certificate 23597), and it is supervised by the OCC. At Q2 2026 it reported total assets of $375.9M, up 1.3% from Q2 2025, the 188th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.64% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 23597
- Headquarters
- Paris, TX
- Established
- 1981
- Total assets, Q2 2026
- $375.9M
- Assets vs Q2 2025
- +1.3%
- Tier 1 leverage ratio, Q2 2026
- 10.64%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 111909870
- Latest call report
- Q2 2026, FFIEC 051 · Lamar National Bank call report
- Holding company
- LAMAR BANCORPORATION, INC.
- Asset rank in state
- 188th of 346 in Texas
Lamar National Bank, based in Paris, Texas, reported $376 million in assets at June 30, 2026, up 1.3% from a year earlier. It shrank its loan book 7.4% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also spends about 77 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $758,000, 38% above the same quarter a year earlier. Over the same year, loans shrank 7.4% and deposits grew 4.3%. Profitability lags: it earns about $0.80 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Lamar National Bank reported a return on assets of 0.80%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 2.75%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Lamar National Bank is the 188th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 4.3% to $375.9M, loans fell 3.9% and deposits fell 5.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 36.2% of total loans, followed by non-owner-occupied commercial real estate loans at 20.0%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in TX; its Paris office books 41% of its branch deposits. Judged on its Q2 2026 call report, Lamar National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 S Collegiate Dr, Paris, TX 75460
- County
- Lamar
- Metro Area
- Paris, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 26, 1981
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 71
- Domestic deposits
- $335.9M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $63K
- Average total assets
- $380.8M
- Average total loans
- $224.3M
- Average interest-bearing deposits
- $254.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 26, 1981
- FDIC Cert
- 23597
- Fed RSSD
- 2161
- Website
- www.lamarnational.com →
- Parent Holding Company
- LAMAR BANCORPORATION, INC. (RSSD 1136906)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Lamar National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Lamar National Bank's total assets moved between a low of $368.8M (Q3 2025) and a high of $392.6M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$375.9M total assets against $371.1M; $342.9M total liabilities against $342.4M.
$218.0M net loans and leases against $235.8M; $335.9M total deposits against $322.1M.
$79.5M securities against $82.2M; $40.3M cash and balances due against $14.3M.
$5.1M total interest income against $5.1M; $1.4M total interest expense against $1.5M.
$3.7M net interest income against $3.6M.
$468K total noninterest income against $428K; $3.2M total noninterest expense against $3.4M.
$0 provision for credit losses against $40K.
$758K net income against $548K.
0.80% return on assets against 0.59%; 4.27% net interest margin against 4.22%.
10.64% tier 1 leverage ratio against 10.64%.
Inside the full Lamar National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLamar National Bank rankings
Its closest position to the top of a national ranking is 2,145 of 4,196, for total assets; its furthest is 3,130 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.39% (Q4 2024) to 0.80% (Q2 2026) and its net interest margin ran from 3.77% (Q3 2024) to 4.27% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.64% | 0.80% | 0.15% | 2.75% | 4.27% |
| Q1 2026 | 10.49% | 0.67% | 0.14% | 1.87% | 4.08% |
| Q4 2025 | 10.87% | 0.72% | 0.13% | 0.90% | 4.14% |
| Q3 2025 | 10.61% | 0.72% | 0.26% | 1.78% | 4.21% |
| Q2 2025 | 10.64% | 0.59% | 0.00% | 0.00% | 4.22% |
| Q1 2025 | 10.40% | 0.66% | 0.00% | 0.00% | 4.19% |
| Q4 2024 | 10.27% | 0.39% | 0.24% | 1.87% | 3.98% |
| Q3 2024 | 10.04% | 0.56% | 0.12% | 0.91% | 3.77% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lamar National Bank (main office) | Paris , TX | 75460 | $138.4M |
| North Lake Branch | Northlake , TX | 76226 | $63.6M |
| Celina Branch | Celina , TX | 75009 | $52.6M |
| Anna Branch | Anna , TX | 75409 | $44.2M |
| Frisco Branch Office | Frisco , TX | 75034 | $18.6M |
| Reno Branch | Reno , TX | 75462 | $18.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 226 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $670K approved, $670K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Lamar National Bank
What are Lamar National Bank's total assets?
As of the Q2 2026 filing, Lamar National Bank reported total assets of $375.9 million in its FFIEC call report.
Where is Lamar National Bank headquartered?
It is headquartered in Paris, TX, United States.
When was Lamar National Bank founded?
It was established in 1981, per the FDIC institution directory.
Is Lamar National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23597). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lamar National Bank?
Lamar National Bank's primary federal regulator is the OCC.
How many branches does Lamar National Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lamar National Bank's Texas Ratio?
Its Texas Ratio is 2.75% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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