BlastPoint's Banking Scorecard

The Lamesa National Bank

$100M-$1B Specialty: Agricultural TX FDIC cert 3292

Lamesa, 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 +1.2% year over year ($375.1M on the books).
Delinquency rate 1.79%.
Return on assets 2.24%.
Efficiency ratio 29.84% vs a 64.48% peer average.
Loan-to-deposit ratio 15.76% 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) →

The Lamesa National Bank has 3 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

+ Profitability Leader: Top 33.9% in tier
+ Efficiency Ratio 34.64% below tier average
+ Non-Interest-Bearing Deposit Share 21.08% above tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.54% below tier average
- Net Interest Margin 0.74% below tier average
- Delinquency Rate 0.87% above tier average

Get updates when The Lamesa National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$426.8M +2.2% YoY -3.3% QoQ	+$40.3M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	65%
Total Loans ?	$59.1M -18.8% YoY +4.8% QoQ	-$199.2M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 4.5% in tier
Total Deposits ?	$375.1M +1.2% YoY -3.7% QoQ	+$48.4M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	66%
Return on Assets ?	2.24% +10.9% YoY +4.0% QoQ	+0.92%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 8.1% in tier
Net Interest Margin ?	3.24% +7.0% YoY +2.6% QoQ	-0.74%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	17%
Efficiency Ratio ?	29.84% -7.6% YoY -3.3% QoQ	-34.64%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 0.8% in tier
Delinquency Rate ?	1.79% +21.0% YoY -12.3% QoQ	+0.87%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 14.9% in tier
Loan-to-Deposit Ratio ?	15.76% -19.7% YoY +8.9% QoQ	-62.19%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 0.7% in tier
Non-Interest-Bearing Deposit Share ?	43.11% +2.6% YoY -0.9% QoQ	+21.08%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 3.3% in tier
Nonperforming Asset Ratio ?	0.25% -3.8% YoY -5.0% QoQ	-0.42%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	56%
Tier 1 Capital Ratio ?	41.91% +48.9% YoY +1.3% QoQ	+26.00%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 1.6% in tier
Non-Interest Income / Assets ?	0.03% +6.0% YoY +103.3% QoQ	-0.54%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Bottom 2.5% in tier

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	43.1% +1.1pp YoY -0.4pp QoQ	+21.0pp	22.1%	29.2%	22.2%	97%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	13.9% -5.2pp YoY -1.5pp QoQ	+2.3pp	11.6%	14.8%	12.5%	72%
CRE	n/a	n/a	39.5%	48.4%	41.4%	n/a
1-4 Family	n/a	n/a	32.6%	25.8%	31.3%	n/a
Consumer	1.2% 0.0pp YoY -0.1pp QoQ	-2.9pp	4.1%	4.7%	5.0%	32%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	41.9% +13.8pp YoY +0.5pp QoQ	+23.1pp	18.8%	22.7%	19.7%	97%
Leverage Ratio	12.0% +0.7pp YoY +0.3pp QoQ	-0.2pp	12.2%	12.6%	12.6%	65%
Total Capital Ratio	43.2% +13.9pp YoY +0.5pp QoQ	+23.2pp	19.9%	23.8%	20.8%	97%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	24 -3 (-11.1%) YoY -4 (-14.3%) QoQ	-35	58	186	482	17%
Assets per Employee ($)	$17.8M +14.9% YoY +12.8% QoQ	+$10.3M	$7.5M	$10.1M	$8.8M	99%
Branch Count	1 0 YoY 0 QoQ	-4	4	12	18	0%

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	1.8% +0.3pp YoY -0.1pp QoQ	+0.9pp	0.9%	1.0%	1.0%	85%
Allowance Coverage	1.62x -3.5% YoY +8.9% QoQ	-22.53x	24.15x	18.82x	20.23x	41%
Net Charge-off Rate (YTD)	-0.0% +0.3pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	10%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	19.4% +0.4pp YoY +0.5pp QoQ	+7.2pp	12.2%	13.2%	11.6%	86%
Cost of Funds (YTD)	1.1% -0.2pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.6%	1.7%	16%
Net Income ($, YTD)	$4.9M +16.3% YoY — QoQ	+$2.3M	$2.6M	$15.9M	$40.4M	87%

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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 (1)

Profitability Leader

growth

#225 of 661 • Top 33.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.24%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 (5 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 15.76%

Peer Median: 77.95%

#19 of 2643 Top 0.7% in $100M-$1B

Efficiency Ratio

profitability

Value: 29.84%

Peer Median: 64.48%

#21 of 2643 Top 0.8% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 41.91%

Peer Median: 15.91%

#44 of 2643 Top 1.6% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 43.11%

Peer Median: 22.03%

#87 of 2643 Top 3.3% in $100M-$1B

214

Return on Assets

profitability

Value: 2.24%

Peer Median: 1.32%

#214 of 2643 Top 8.1% in $100M-$1B

Top Weaknesses (4 metrics)

2578

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.57%

#2578 of 2643 Bottom 2.5% in $100M-$1B

2526

Total Loans

size

Value: $59.12M

Peer Median: $258.35M

#2526 of 2643 Bottom 4.5% in $100M-$1B

2241

Delinquency Rate

credit_quality

Value: 1.79%

Peer Median: 0.92%

#2241 of 2633 Bottom 14.9% in $100M-$1B

2184

Net Interest Margin

profitability

Value: 3.24%

Peer Median: 3.99%

#2184 of 2643 Bottom 17.4% in $100M-$1B