Lamar National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lamar National Bank of Paris, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.80% | 1.35% | -0.55% | 23rd bottom |
| ROAE | 9.34% | 12.06% | -2.72% | 32nd below |
| Net Interest Margin | 4.27% | 3.90% | +0.37% | 69th above |
| Efficiency Ratio | 76.88% | 63.14% | +13.74% | 17th bottom |
| PPNR / Avg Assets | 0.99% | 1.64% | -0.65% | 20th bottom |
| Yield on Earning Assets | 5.88% | 5.65% | +0.23% | 63rd above |
| Cost of Funds | 1.74% | 1.85% | -0.11% | 54th above |
| Net Interest Spread | 3.83% | 3.35% | +0.48% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 0.92% | -0.77% | 68th above |
| NPA / Total Assets | 0.26% | 0.67% | -0.41% | 54th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.10% | 0.15% | -0.05% | 19th bottom |
| ACL / Total Loans | 1.43% | 1.28% | +0.15% | 73rd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 943.71% | 1645.44% | -701.73% | 82nd top |
| Texas Ratio | 2.75% | 7.15% | -4.40% | 55th above |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.64% | 12.46% | -1.82% | 44th below |
| Equity / Assets | 8.77% | 11.67% | -2.90% | 24th bottom |
| TCE / Tangible Assets | 8.77% | 11.40% | -2.63% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.83% | 78.65% | -12.82% | 76th top |
| Core Deposit Ratio | 96.05% | 87.09% | +8.96% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.30% | 6.48% | -5.18% | 27th below |
| Loan Growth (Y/Y) | -7.42% | 7.65% | -15.07% | 4th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.27% | 6.02% | -1.75% | 52nd above |
See Lamar National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Lamar National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Lamar National Bank profile, how to read a UBPR, or how this data updates.