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Lamar Bank and Trust Company

$100M-$1B Specialty: Commercial MO FDIC cert 1964

Lamar, MO

2 branches across MO

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 140 in MO.
  • Deposits +4.9% year over year ($235.1M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 1.80%.
  • Efficiency ratio 61.97% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.39% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO
View $100M-$1B leaderboard (MO) →

Lamar Bank and Trust Company has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 22.2% in tier
  • + ROA 0.48% above tier average
  • + Net Interest Margin 0.49% above tier average
  • + Efficiency Ratio 2.51% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 36.2% in tier
  • - Cost Spiral: Bottom 43.5% in tier
  • - Margin Compression: Bottom 74.3% in tier
Get updates when Lamar Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $269.0M
+3.8% YoY +2.5% QoQ
-$117.5M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
40%
Total Loans ? $203.1M
+4.9% YoY +4.8% QoQ
-$55.3M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
49%
Total Deposits ? $235.1M
+4.9% YoY +2.6% QoQ
-$91.6M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
42%
Return on Assets ? 1.80%
-9.3% YoY -2.5% QoQ
+0.48% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
80%
Net Interest Margin ? 4.47%
+6.6% YoY +1.4% QoQ
+0.49% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
79%
Efficiency Ratio ? 61.97%
+13.1% YoY +4.5% QoQ
-2.51% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
51%
Delinquency Rate ? 0.05%
-35.1% YoY -47.5% QoQ
-0.87% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
80%
Loan-to-Deposit Ratio ? 86.39%
+0.0% YoY +2.1% QoQ
+8.43% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
34%
Non-Interest-Bearing Deposit Share ? 20.49%
+14.4% YoY +6.0% QoQ
-1.54% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
48%
Nonperforming Asset Ratio ? 0.03%
-34.4% YoY -46.4% QoQ
-0.63% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
81%
Tier 1 Capital Ratio ? 10.20%
-0.2% YoY +0.2% QoQ
-5.71% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
Bottom 12.9% in tier
Non-Interest Income / Assets ? 0.29%
-10.4% YoY +89.8% QoQ
-0.28% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
70%

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 (MO) National Avg Tier Percentile
Noninterest-Bearing 20.5%
+2.6pp YoY
+1.2pp QoQ
 -1.7pp 22.1% 20.9% 22.2% 47%
Brokered Deposits n/a n/a 7.9% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 10.6%
-5.4pp YoY
-0.4pp QoQ
 -1.0pp 11.6% 12.3% 12.5% 56%
CRE 40.9%
+2.5pp YoY
+0.2pp QoQ
 +1.4pp 39.5% 36.8% 41.4% 55%
1-4 Family 24.2%
+1.4pp YoY
+0.4pp QoQ
 -8.4pp 32.6% 31.9% 31.3% 39%
Consumer 2.8%
0.0pp YoY
-0.2pp QoQ
 -1.3pp 4.1% 4.1% 5.0% 58%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.5% 19.7% n/a
Leverage Ratio 10.2%
0.0pp YoY
0.0pp QoQ
 -2.0pp 12.2% 11.6% 12.6% 35%
Total Capital Ratio n/a n/a 19.9% 19.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 42
+5 (+13.5%) YoY
+3 (+7.7%) QoQ
 -17 58 162 482 44%
Assets per Employee ($) $6.4M
-8.5% YoY
-4.9% QoQ
 -$1.1M $7.5M $8.0M $8.8M 41%
Branch Count 2
+1 (+100.0%) YoY
0 QoQ
 -3 4 10 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 11%
Allowance Coverage 22.43x
+57.6% YoY
+83.2% QoQ
 -1.73x 24.15x 10.47x 20.23x 89%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 41%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 21.6%
-4.1pp YoY
-0.4pp QoQ
 +9.4pp 12.2% 14.3% 11.6% 91%
Cost of Funds (YTD) 1.7%
-0.3pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 48%
Net Income ($, YTD) $2.4M
-5.4% YoY
— QoQ
 -$174K $2.6M $11.3M $40.4M 60%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#147 of 659 • Top 22.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (3)

Capital Thin

risk
#240 of 661 • Bottom 36.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.20%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Cost Spiral

risk
#61 of 138 • Bottom 43.5% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 61.97%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

Margin Compression

decline
#229 of 307 • Bottom 74.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.80%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

504
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#504 of 2643 Top 19.0% in $100M-$1B
523
Return on Assets
profitability
Value: 1.80%
Peer Median: 1.32%
#523 of 2643 Top 19.8% in $100M-$1B
533
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#533 of 2633 Top 20.2% in $100M-$1B
563
Net Interest Margin
profitability
Value: 4.47%
Peer Median: 3.99%
#563 of 2643 Top 21.3% in $100M-$1B

Top Weaknesses (1 metrics)

2303
Tier 1 Capital Ratio
capital
Value: 10.20%
Peer Median: 15.91%
#2303 of 2643 Bottom 12.9% in $100M-$1B
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