Lamar National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 34.34 percentage points lower than in Q1 2026, at 943.71%. Lamar National Bank ranks 289th of 345 Texas banks on return on assets, in the lower half at 0.80% (Q2 2026). Lamar National Bank reported 0.80% on return on assets for Q2 2026, 0.46 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.64% |
| Equity capital to assets | 8.77% |
| Tangible equity to tangible assets | 8.77% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.26% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 2.75% |
| Allowance for credit losses to loans | 1.43% |
| Reserve coverage of non-performing loans | 943.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.80% |
| Return on equity | 9.34% |
| Net interest margin | 4.27% |
| Efficiency ratio | 76.88% |
| Yield on earning assets | 5.88% |
| Cost of funds | 1.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.83% |
| Core deposits to total deposits | 96.05% |
| Brokered deposits to total deposits | 4.73% |
| Deposits to assets | 89.36% |
| Securities to assets | 21.14% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.88% | 1.00% | 4.13% | 0.82% | -0.00% |
| Q4 2023 | 9.69% | -0.13% | 3.35% | 0.98% | 0.02% |
| Q1 2024 | 9.61% | -0.13% | 3.42% | 0.72% | 0.83% |
| Q2 2024 | 9.78% | 1.03% | 4.52% | 0.59% | -0.05% |
| Q3 2024 | 10.04% | 0.56% | 3.77% | 0.57% | 0.00% |
| Q4 2024 | 10.27% | 0.39% | 3.98% | 0.00% | 0.42% |
| Q1 2025 | 10.40% | 0.66% | 4.19% | 0.00% | 0.03% |
| Q2 2025 | 10.64% | 0.59% | 4.22% | 0.00% | -0.01% |
| Q3 2025 | 10.61% | 0.72% | 4.21% | 0.14% | 0.15% |
| Q4 2025 | 10.87% | 0.72% | 4.14% | 0.13% | -0.34% |
| Q1 2026 | 10.49% | 0.67% | 4.08% | 0.14% | 0.01% |
| Q2 2026 | 10.64% | 0.80% | 4.27% | 0.15% | 0.10% |
Lamar National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lamar National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Lamar National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23597) · FFIEC NIC profile (RSSD 2161)