BlastPoint's Banking Scorecard
Lea County State Bank
Hobbs, NM
3 branches across NM
Lea County State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.47% above tier average
- + Efficiency Ratio 9.25% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 69.5% in tier
- - Delinquency Rate 3.48% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$718.6M
+4.2% YoY
+1.5% QoQ
|
+$332.6M |
$386.1M
+0.5% YoY
|
$562.1M
+2.2% YoY
|
$6.2B
+9.1% YoY
|
Top 11.8% in tier |
| Total Loans ? |
$221.0M
-2.5% YoY
-0.7% QoQ
|
-$34.8M |
$255.7M
+1.1% YoY
|
$311.0M
+7.5% YoY
|
$3.2B
+10.8% YoY
|
53% |
| Total Deposits ? |
$644.6M
+2.5% YoY
+1.1% QoQ
|
+$316.7M |
$328.0M
+0.1% YoY
|
$489.7M
+0.9% YoY
|
$4.8B
+8.2% YoY
|
Top 9.9% in tier |
| Return on Assets ? |
1.74%
-9.5% YoY
+6.7% QoQ
|
+0.47% |
1.27%
+12.9% YoY
|
1.89%
+10.3% YoY
|
1.23%
+13.4% YoY
|
79% |
| Net Interest Margin ? |
3.95%
-0.3% YoY
-0.9% QoQ
|
+0.02% |
3.93%
+6.0% YoY
|
4.41%
+2.5% YoY
|
3.89%
+5.7% YoY
|
54% |
| Efficiency Ratio ? |
56.03%
+6.0% YoY
+5.5% QoQ
|
-9.25% |
65.29%
-4.5% YoY
|
56.82%
-1.4% YoY
|
66.95%
-4.1% YoY
|
71% |
| Delinquency Rate ? |
4.36%
+260.6% YoY
+7.4% QoQ
|
+3.48% |
0.89%
+18.8% YoY
|
1.04%
-3.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 2.8% in tier |
| Loan-to-Deposit Ratio ? |
34.28%
-4.8% YoY
-1.8% QoQ
|
-42.36% |
76.64%
+0.8% YoY
|
57.05%
+2.9% YoY
|
76.70%
+0.9% YoY
|
Top 2.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.96%
+8.5% YoY
-0.7% QoQ
|
+7.94% |
22.02%
-1.0% YoY
|
32.96%
+0.3% YoY
|
22.01%
-1.2% YoY
|
82% |
| Nonperforming Asset Ratio ? |
1.34%
+237.5% YoY
+5.1% QoQ
|
+0.70% |
0.64%
+19.7% YoY
|
0.58%
-1.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 13.6% in tier |
| Tier 1 Capital Ratio ? |
21.06%
+3.2% YoY
+1.4% QoQ
|
+5.23% |
15.83%
+1.5% YoY
|
21.68%
-6.9% YoY
|
17.06%
+0.8% YoY
|
Top 11.5% in tier |
| Non-Interest Income / Assets ? |
0.14%
+14.1% YoY
-73.6% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.22%
-8.0% YoY
|
0.32%
+4.1% YoY
|
69% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.