The Lamesa National Bank
BankRegReports is independent of The Lamesa National Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Lamesa National Bank is an FDIC-insured commercial bank headquartered in Lamesa, TX, established in 1927 (FDIC certificate 3292), and it is supervised by the OCC. At Q2 2026 it reported total assets of $426.8M, up 2.2% from Q2 2025, the 174th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 41.91% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3292
- Headquarters
- Lamesa, TX
- Established
- 1927
- Total assets, Q2 2026
- $426.8M
- Assets vs Q2 2025
- +2.2%
- CET1 ratio, Q2 2026
- 41.91%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 111308730
- Latest call report
- Q2 2026, FFIEC 051 · The Lamesa National Bank call report
- Asset rank in state
- 174th of 346 in Texas
The Lamesa National Bank is one of the more profitable banks of its size. It reported $427 million in assets at June 30, 2026, up 2.2% from a year earlier. It earns about $2.29 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 29 cents to bring in each dollar of revenue, about half the median of 61 cents for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 18.5% and deposits rose 1.2%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.74% of loans from 1.45% a year earlier. Its margin is thin by comparison: it keeps 3.28 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, The Lamesa National Bank reported a CET1 capital ratio of 41.91%, a return on assets of 2.29%, a nonperforming-loan ratio of 1.74% and a Texas ratio of 2.02%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Lamesa National Bank is the 174th largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.3% to $426.8M, loans rose 4.6% and deposits fell 3.7%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 65.0% of total loans, ahead of commercial and industrial loans at 13.5%. The FDIC Summary of Deposits lists a single office for it, in Lamesa, TX. On its Q2 2026 call report, The Lamesa National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 602 S 1st St, Lamesa, TX 79331
- County
- Dawson
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 30, 1927
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $375.1M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- -$7K
- Average total assets
- $437.5M
- Average total loans
- $59.3M
- Average interest-bearing deposits
- $211.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3292
- Fed RSSD
- 623052
- Website
- www.lamesanb.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Lamesa National Bank's total assets ran between $376.8M (Q3 2023) and $441.3M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$426.8M total assets against $417.8M; $376.2M total liabilities against $371.8M.
$59.1M net loans and leases against $72.8M; $375.1M total deposits against $370.7M.
$306.9M securities against $298.3M; $54.7M cash and balances due against $39.4M.
$4.7M total interest income against $4.4M; $1.2M total interest expense against $1.3M.
$3.5M net interest income against $3.1M.
$58K total noninterest income against $66K; $1.0M total noninterest expense against $1.0M.
$0 provision for credit losses against $0.
$2.5M net income against $2.2M.
2.29% return on assets against 2.07%; 3.28% net interest margin against 3.08%.
41.91% CET1 capital ratio against 28.14%; 11.95% tier 1 leverage ratio against 11.26%.
Inside the full The Lamesa National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Lamesa National Bank rankings
Its closest position to the top of a national ranking is 18 of 2,134, for CET1 ratio; its furthest is 2,253 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.27% (Q3 2024) to 2.29% (Q2 2026) and its net interest margin ran from 2.17% (Q3 2024) to 3.28% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 41.91% | 2.29% | 1.74% | 2.02% | 3.28% |
| Q1 2026 | 41.37% | 2.14% | 1.98% | 2.20% | 3.19% |
| Q4 2025 | 34.70% | 2.01% | 1.34% | 2.08% | 3.25% |
| Q3 2025 | 34.86% | 1.91% | 1.37% | 2.10% | 3.24% |
| Q2 2025 | 28.14% | 2.07% | 1.45% | 2.25% | 3.08% |
| Q1 2025 | 24.43% | 1.94% | 1.60% | 2.57% | 2.93% |
| Q4 2024 | 23.43% | 1.61% | 1.27% | 2.64% | 2.84% |
| Q3 2024 | 21.24% | 1.27% | 1.20% | 2.44% | 2.17% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| The Lamesa National Bank | Lamesa , TX | 79331 | $375.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 3 against individuals associated with it
- August 3, 2010, OCC: Formal Agreement: The Lamesa National Bank
- Period: Most recent institution action August 3, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 212 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $5.0M approved, $5.0M 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
- 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
Add this badge to your website
Free to use. It shows The Lamesa National Bank’s latest filed figures and updates each quarter.
Similar banks
Compare The Lamesa National Bank with peers
Frequently asked about The Lamesa National Bank
What are The Lamesa National Bank's total assets?
As of the Q2 2026 filing, The Lamesa National Bank reported total assets of $426.8 million in its FFIEC call report.
Where is The Lamesa National Bank headquartered?
It is headquartered in Lamesa, TX, United States.
When was The Lamesa National Bank founded?
It was established in 1927, per the FDIC institution directory.
Is The Lamesa National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3292). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Lamesa National Bank?
The Lamesa National Bank's primary federal regulator is the OCC.
What is The Lamesa National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 41.91% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Lamesa National Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Lamesa National Bank's Texas Ratio?
Its Texas Ratio is 2.02% 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.
Go deeper on The Lamesa National Bank.
Get an email when The Lamesa National Bank files its next call report, and benchmark it against any peer you choose.
Unlock The Lamesa National Bank, freeFree account