BlastPoint's Banking Scorecard

Lamar National Bank

$100M-$1B Specialty: Commercial TX FDIC cert 23597

Paris, TX

6 branches across TX

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 219 in TX.
Deposits +4.3% year over year ($335.9M on the books).
Delinquency rate 0.15%.
Return on assets 0.73%.
Efficiency ratio 78.86% vs a 64.48% peer average.
Loan-to-deposit ratio 64.89% 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 219 in TX

View $100M-$1B leaderboard (TX) →

Lamar National Bank has 2 strengths but faces 5 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

+ Net Interest Margin 0.33% above tier average
+ Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 23.1% in tier
- Capital Thin: Bottom 28.0% in tier
- Flatlined Growth: Bottom 30.8% in tier
- ROA 0.59% below tier average
- Efficiency Ratio 14.38% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$375.9M +1.3% YoY -4.3% QoQ	-$10.7M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	58%
Total Loans ?	$218.0M -7.6% YoY -4.0% QoQ	-$40.4M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	52%
Total Deposits ?	$335.9M +4.3% YoY -5.0% QoQ	+$9.2M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	61%
Return on Assets ?	0.73% +18.3% YoY +10.1% QoQ	-0.59%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	20%
Net Interest Margin ?	4.32% +0.2% YoY +2.6% QoQ	+0.33%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	71%
Efficiency Ratio ?	78.86% +0.6% YoY -1.8% QoQ	+14.38%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 14.9% in tier
Delinquency Rate ?	0.15% +6.0% QoQ	-0.77%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	69%
Loan-to-Deposit Ratio ?	64.89% -11.4% YoY +1.1% QoQ	-13.06%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	77%
Non-Interest-Bearing Deposit Share ?	21.16% -4.2% YoY +9.3% QoQ	-0.87%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	51%
Nonperforming Asset Ratio ?	0.26% +57.5% QoQ	-0.40%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	54%
Tier 1 Capital Ratio ?	10.64% +0.1% YoY +1.5% QoQ	-5.27%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	19%
Non-Interest Income / Assets ?	0.24% +4.2% YoY +120.0% QoQ	-0.33%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	60%

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 (TX)	National Avg	Tier Percentile
Noninterest-Bearing	21.2% -0.9pp YoY +1.8pp QoQ	-1.0pp	22.1%	29.2%	22.2%	50%
Brokered Deposits	4.7% -0.7pp QoQ	-3.1pp	7.9%	8.0%	8.5%	50%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	6.9% -2.9pp YoY -1.0pp QoQ	-4.7pp	11.6%	14.8%	12.5%	32%
CRE	54.2% +6.3pp YoY +2.2pp QoQ	+14.6pp	39.5%	48.4%	41.4%	76%
1-4 Family	36.7% -2.4pp YoY 0.0pp QoQ	+4.1pp	32.6%	25.8%	31.3%	65%
Consumer	0.8% -0.1pp YoY 0.0pp QoQ	-3.4pp	4.1%	4.7%	5.0%	22%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.7%	19.7%	n/a
Leverage Ratio	10.6% 0.0pp YoY +0.2pp QoQ	-1.5pp	12.2%	12.6%	12.6%	44%
Total Capital Ratio	n/a	n/a	19.9%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	71 -5 (-6.6%) YoY +3 (+4.4%) QoQ	+12	58	186	482	72%
Assets per Employee ($)	$5.3M +8.4% YoY -8.3% QoQ	-$2.2M	$7.5M	$10.1M	$8.8M	19%
Branch Count	6 0 YoY 0 QoQ	+1	4	12	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.2% 0.0pp QoQ	-0.8pp	0.9%	1.0%	1.0%	25%
Allowance Coverage	9.44x -3.5% QoQ	-14.72x	24.15x	18.82x	20.23x	81%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	68%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	8.6% +0.3pp YoY +0.7pp QoQ	-3.6pp	12.2%	13.2%	11.6%	29%
Cost of Funds (YTD)	1.7% -0.1pp YoY 0.0pp QoQ	0.0pp	1.7%	1.6%	1.7%	49%
Net Income ($, YTD)	$1.4M +20.1% YoY — QoQ	-$1.2M	$2.6M	$15.9M	$40.4M	39%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched strength signatures this quarter

Concerns (3)

Credit Quality Pressure

risk

#291 of 1256 • Bottom 23.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.15%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Capital Thin

risk

#186 of 661 • Bottom 28.0% 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: 10.64%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Flatlined Growth

risk

#164 of 529 • Bottom 30.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.73%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

620

Loan-to-Deposit Ratio

liquidity

Value: 64.89%

Peer Median: 77.95%

#620 of 2643 Top 23.4% in $100M-$1B

Top Weaknesses (3 metrics)

2249

Efficiency Ratio

profitability

Value: 78.86%

Peer Median: 64.48%

#2249 of 2643 Bottom 14.9% in $100M-$1B

2146

Tier 1 Capital Ratio

capital

Value: 10.64%

Peer Median: 15.91%

#2146 of 2643 Bottom 18.8% in $100M-$1B

2111

Return on Assets

profitability

Value: 0.73%

Peer Median: 1.32%

#2111 of 2643 Bottom 20.2% in $100M-$1B