BlastPoint's Banking Scorecard
The Lamesa National Bank
Lamesa, TX
The Lamesa National Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 46.1% in tier
- + Efficiency Ratio 34.42% below tier average
- + Non-Interest-Bearing Deposit Share 21.47% above tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.27% below tier average
- - Net Interest Margin 0.77% below tier average
- - Delinquency Rate 1.16% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$441.3M
+6.4% YoY
+1.0% QoQ
|
+$55.2M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
66% |
| Total Loans ? |
$56.4M
-22.6% YoY
-26.8% QoQ
|
-$199.3M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 4.1% in tier |
| Total Deposits ? |
$389.7M
+5.6% YoY
+0.9% QoQ
|
+$61.7M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
69% |
| Return on Assets ? |
2.15%
+9.8% YoY
+8.2% QoQ
|
+0.88% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 9.5% in tier |
| Net Interest Margin ? |
3.16%
+6.2% YoY
+0.6% QoQ
|
-0.77% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
17% |
| Efficiency Ratio ? |
30.87%
-5.3% YoY
-11.8% QoQ
|
-34.42% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 1.0% in tier |
| Delinquency Rate ? |
2.04%
+25.0% YoY
+48.7% QoQ
|
+1.16% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 12.2% in tier |
| Loan-to-Deposit Ratio ? |
14.48%
-26.7% YoY
-27.5% QoQ
|
-62.16% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 0.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
43.49%
+3.6% YoY
+2.2% QoQ
|
+21.47% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 3.3% in tier |
| Nonperforming Asset Ratio ? |
0.26%
-9.1% YoY
+7.6% QoQ
|
-0.38% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
54% |
| Tier 1 Capital Ratio ? |
41.37%
+69.3% YoY
+19.2% QoQ
|
+25.54% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 1.5% in tier |
| Non-Interest Income / Assets ? |
0.01%
+31.2% YoY
-40.0% QoQ
|
-0.27% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 2.3% in tier |
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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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.