The Lamesa National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Lamesa National Bank of Lamesa, 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 | 2.29% | 1.34% | +0.95% | 92nd top |
| ROAE | 19.78% | 13.31% | +6.47% | 86th top |
| Net Interest Margin | 3.28% | 3.93% | -0.65% | 19th bottom |
| Efficiency Ratio | 28.67% | 61.15% | -32.48% | 99th top |
| PPNR / Avg Assets | 2.29% | 1.68% | +0.61% | 83rd top |
| Yield on Earning Assets | 4.41% | 5.67% | -1.26% | 7th bottom |
| Cost of Funds | 1.27% | 1.88% | -0.61% | 81st top |
| Net Interest Spread | 2.21% | 3.32% | -1.11% | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.74% | 0.94% | +0.80% | 15th bottom |
| NPA / Total Assets | 0.25% | 0.70% | -0.45% | 55th above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 84th top |
| ACL / Total Loans | 2.82% | 1.28% | +1.54% | 98th top |
| ACL / NPLs (Coverage) | 162.04% | 1539.30% | -1377.26% | 42nd below |
| Texas Ratio | 2.02% | 7.33% | -5.31% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 41.91% | 19.49% | +22.42% | 97th top |
| Tier 1 Ratio | 41.91% | 19.52% | +22.39% | 97th top |
| Total Capital Ratio | 43.16% | 20.61% | +22.55% | 97th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.95% | 12.14% | -0.19% | 65th above |
| Equity / Assets | 11.87% | 11.37% | +0.50% | 70th above |
| TCE / Tangible Assets | 11.87% | 11.09% | +0.78% | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 16.22% | 80.66% | -64.44% | 99th top |
| Core Deposit Ratio | 85.54% | 86.86% | -1.32% | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.16% | 6.85% | -4.69% | 33rd below |
| Loan Growth (Y/Y) | -18.45% | 7.91% | -26.36% | 1st bottom |
| Deposit Growth (Y/Y) | 1.17% | 6.29% | -5.12% | 30th below |
See The Lamesa National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Lamesa 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 The Lamesa National Bank profile, how to read a UBPR, or how this data updates.