BlastPoint's Banking Scorecard
Lamar Bank and Trust Company
Lamar, MO
2 branches across MO
Lamar Bank and Trust Company has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 22.7% in tier
- + ROA 0.58% above tier average
- + Net Interest Margin 0.48% above tier average
- + Efficiency Ratio 5.98% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 20.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$262.6M
+1.8% YoY
+0.8% QoQ
|
-$123.5M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
39% |
| Total Loans ? |
$193.8M
-0.2% YoY
-1.1% QoQ
|
-$61.9M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
47% |
| Total Deposits ? |
$229.1M
+1.0% YoY
+4.0% QoQ
|
-$98.9M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
41% |
| Return on Assets ? |
1.85%
+10.7% YoY
-3.9% QoQ
|
+0.58% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
83% |
| Net Interest Margin ? |
4.41%
+9.9% YoY
+2.3% QoQ
|
+0.48% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
78% |
| Efficiency Ratio ? |
59.30%
+3.6% YoY
+3.1% QoQ
|
-5.98% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
62% |
| Delinquency Rate ? |
0.09%
-39.2% YoY
+38.4% QoQ
|
-0.80% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
84.60%
-1.2% YoY
-5.0% QoQ
|
+7.96% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
19.32%
+11.0% YoY
-0.9% QoQ
|
-2.70% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.07%
-40.4% YoY
+35.7% QoQ
|
-0.57% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
75% |
| Tier 1 Capital Ratio ? |
10.17%
-0.3% YoY
-1.3% QoQ
|
-5.66% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
Bottom 11.7% in tier |
| Non-Interest Income / Assets ? |
0.15%
-9.0% YoY
-76.5% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
74% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.