BlastPoint's Banking Scorecard
Lea County State Bank
Hobbs, NM
3 branches across NM
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 21 in NM.
- Deposits -0.7% year over year ($662.4M on the books).
- Delinquency rate 3.66%.
- Return on assets 1.58%.
- Efficiency ratio 52.97% vs a 64.48% peer average.
- Loan-to-deposit ratio 34.65% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Lea County State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.25% above tier average
- + Efficiency Ratio 11.51% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.74% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$738.3M
+1.7% YoY
+2.7% QoQ
|
+$351.8M |
$386.6M
+1.2% YoY
|
$566.9M
+3.2% YoY
|
$6.3B
+7.7% YoY
|
Top 10.6% in tier |
| Total Loans ? |
$229.5M
+1.5% YoY
+3.9% QoQ
|
-$28.8M |
$258.3M
+1.7% YoY
|
$317.6M
+7.5% YoY
|
$3.2B
+9.4% YoY
|
54% |
| Total Deposits ? |
$662.4M
-0.7% YoY
+2.8% QoQ
|
+$335.7M |
$326.7M
+0.7% YoY
|
$493.4M
+2.0% YoY
|
$4.9B
+7.3% YoY
|
Top 8.8% in tier |
| Return on Assets ? |
1.58%
-5.8% YoY
-9.3% QoQ
|
+0.25% |
1.32%
+10.8% YoY
|
1.89%
+4.0% YoY
|
1.30%
+12.1% YoY
|
70% |
| Net Interest Margin ? |
3.99%
+3.6% YoY
+0.9% QoQ
|
+0.00% |
3.99%
+5.0% YoY
|
4.43%
+1.2% YoY
|
3.95%
+4.9% YoY
|
53% |
| Efficiency Ratio ? |
52.97%
-0.3% YoY
-5.5% QoQ
|
-11.51% |
64.48%
-3.2% YoY
|
57.29%
+2.1% YoY
|
70.05%
+2.5% YoY
|
77% |
| Delinquency Rate ? |
3.66%
-34.5% YoY
-16.1% QoQ
|
+2.74% |
0.92%
+15.7% YoY
|
1.04%
-16.3% YoY
|
0.98%
+16.3% YoY
|
Bottom 4.1% in tier |
| Loan-to-Deposit Ratio ? |
34.65%
+2.2% YoY
+1.1% QoQ
|
-43.30% |
77.95%
+1.0% YoY
|
57.68%
+1.9% YoY
|
79.03%
+2.3% YoY
|
Top 2.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.27%
+10.0% YoY
+1.0% QoQ
|
+8.24% |
22.03%
-0.6% YoY
|
32.88%
-1.5% YoY
|
21.98%
-0.6% YoY
|
83% |
| Nonperforming Asset Ratio ? |
1.14%
-34.7% YoY
-15.2% QoQ
|
+0.47% |
0.67%
+16.4% YoY
|
0.60%
-19.3% YoY
|
0.69%
+15.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
20.29%
+1.5% YoY
-3.7% QoQ
|
+4.38% |
15.91%
+1.4% YoY
|
21.71%
-4.2% YoY
|
17.09%
+0.8% YoY
|
Top 13.1% in tier |
| Non-Interest Income / Assets ? |
0.27%
+17.5% YoY
+102.4% QoQ
|
-0.29% |
0.57%
+7.6% YoY
|
0.46%
-9.7% YoY
|
0.66%
+5.2% YoY
|
68% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
30.3%
+2.8pp YoY +0.3pp QoQ |
+8.1pp | 22.1% | 34.1% | 22.2% | 83% |
| Brokered Deposits |
12.9%
+0.2pp YoY +5.3pp QoQ |
+5.0pp | 7.9% | 5.2% | 8.5% | 82% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
53.7%
-2.0pp YoY -0.9pp QoQ |
+42.2pp | 11.6% | 20.2% | 12.5% | 99% |
| CRE |
19.2%
+1.7pp YoY +0.5pp QoQ |
-20.3pp | 39.5% | 50.8% | 41.4% | 17% |
| 1-4 Family |
9.1%
+0.3pp YoY -0.3pp QoQ |
-23.6pp | 32.6% | 20.2% | 31.3% | 10% |
| Consumer |
8.1%
-1.0pp YoY -0.3pp QoQ |
+4.0pp | 4.1% | 3.8% | 5.0% | 89% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
20.3%
+0.3pp YoY -0.8pp QoQ |
+1.5pp | 18.8% | 26.0% | 19.7% | 78% |
| Leverage Ratio |
9.2%
+0.6pp YoY -0.2pp QoQ |
-3.0pp | 12.2% | 13.9% | 12.6% | 15% |
| Total Capital Ratio |
21.3%
+0.5pp YoY -0.7pp QoQ |
+1.4pp | 19.9% | 27.1% | 20.8% | 79% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
86
-2 (-2.3%) YoY +1 (+1.2%) QoQ |
+27 | 58 | 75 | 482 | 81% |
| Assets per Employee ($) |
$8.6M
+4.1% YoY +1.5% QoQ |
+$1.1M | $7.5M | $7.6M | $8.8M | 75% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 6 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
3.7%
-1.6pp YoY -0.7pp QoQ |
+2.7pp | 0.9% | 1.1% | 1.0% | 96% |
| Allowance Coverage |
0.41x
+107.2% YoY +32.7% QoQ |
-23.74x | 24.15x | 56.44x | 20.23x | 7% |
| Net Charge-off Rate (YTD) |
0.7%
+0.5pp YoY +0.7pp QoQ |
+0.5pp | 0.1% | 0.1% | 0.2% | 96% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.5%
-7.5pp YoY -2.3pp QoQ |
+8.3pp | 12.2% | 18.9% | 11.6% | 89% |
| Cost of Funds (YTD) |
0.8%
-0.5pp YoY 0.0pp QoQ |
-0.9pp | 1.7% | 1.0% | 1.7% | 7% |
| Net Income ($, YTD) |
$5.7M
-3.1% YoY — QoQ |
+$3.1M | $2.6M | $5.6M | $40.4M | 90% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.