Lexicon 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.
Reserve coverage of non-performing loans climbed 13.08 percentage points in Q2 2026, from 206.18% to 219.25%. It was the largest change from Q1 2026 among the key lines here. Lexicon Bank ranks 7th of 14 Nevada banks on return on assets, in the upper half at 1.36% (Q2 2026). Lexicon Bank reported 1.36% on return on assets for Q2 2026, 0.10 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.96% |
| Tier 1 risk-based capital ratio | 20.96% |
| Total risk-based capital ratio | 22.22% |
| Tier 1 leverage ratio | 9.77% |
| Equity capital to assets | 9.67% |
| Tangible equity to tangible assets | 9.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.74% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 3.23% |
| Allowance for credit losses to loans | 1.63% |
| Reserve coverage of non-performing loans | 219.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.36% |
| Return on equity | 14.60% |
| Net interest margin | 4.35% |
| Efficiency ratio | 61.81% |
| Yield on earning assets | 5.23% |
| Cost of funds | 0.94% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.37% |
| Core deposits to total deposits | 97.26% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.65% |
| Securities to assets | 5.83% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 11.10% | 0.23% |
| Q4 2023 | — | — | — | 10.99% | 0.37% |
| Q1 2024 | — | — | — | 10.92% | 0.57% |
| Q2 2024 | — | — | — | 9.84% | 0.81% |
| Q3 2024 | — | — | — | 10.06% | 0.81% |
| Q4 2024 | — | — | — | 10.45% | 0.84% |
| Q1 2025 | 16.28% | 16.28% | 17.53% | 9.34% | 0.68% |
| Q2 2025 | 16.97% | 16.97% | 18.23% | 8.39% | 1.15% |
| Q3 2025 | 19.81% | 19.81% | 21.07% | 8.96% | 1.16% |
| Q4 2025 | 20.20% | 20.20% | 21.45% | 9.18% | 1.23% |
| Q1 2026 | 20.14% | 20.14% | 21.39% | 9.72% | 1.21% |
| Q2 2026 | 20.96% | 20.96% | 22.22% | 9.77% | 1.36% |
Lexicon Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lexicon 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 Lexicon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59117) · FFIEC NIC profile (RSSD 5412457)