BlastPoint's Banking Scorecard
Lexicon Bank
Las Vegas, NV
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 8 in NV.
- Deposits +13.5% year over year ($400.1M on the books).
- Delinquency rate 0.75%.
- Return on assets 1.29%.
- Efficiency ratio 62.24% vs a 64.48% peer average.
- Loan-to-deposit ratio 49.55% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Lexicon Bank shows strong momentum with 4 strengths and 15.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 36.82% above tier average
- + Net Interest Margin 0.40% above tier average
- + Efficiency Ratio 2.23% below tier average
- + Delinquency Rate 0.16% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$446.2M
+15.6% YoY
-3.0% QoQ
|
+$59.7M |
$386.6M
+1.2% YoY
|
$3.1B
+2.3% YoY
|
$6.3B
+7.7% YoY
|
67% |
| Total Loans ? |
$198.2M
+13.6% YoY
-1.0% QoQ
|
-$60.1M |
$258.3M
+1.7% YoY
|
$1.6B
+20.6% YoY
|
$3.2B
+9.4% YoY
|
48% |
| Total Deposits ? |
$400.1M
+13.5% YoY
-3.4% QoQ
|
+$73.3M |
$326.7M
+0.7% YoY
|
$2.0B
+3.4% YoY
|
$4.9B
+7.3% YoY
|
70% |
| Return on Assets ? |
1.29%
+39.8% YoY
+7.9% QoQ
|
-0.03% |
1.32%
+10.8% YoY
|
3.59%
+7.1% YoY
|
1.30%
+12.1% YoY
|
53% |
| Net Interest Margin ? |
4.39%
+10.7% YoY
+2.1% QoQ
|
+0.40% |
3.99%
+5.0% YoY
|
5.65%
+11.1% YoY
|
3.95%
+4.9% YoY
|
74% |
| Efficiency Ratio ? |
62.24%
-5.3% YoY
-0.7% QoQ
|
-2.23% |
64.48%
-3.2% YoY
|
55.66%
-2.7% YoY
|
70.05%
+2.5% YoY
|
50% |
| Delinquency Rate ? |
0.75%
-28.7% YoY
-0.7% QoQ
|
-0.16% |
0.92%
+15.7% YoY
|
1.02%
-35.3% YoY
|
0.98%
+16.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
49.55%
+0.1% YoY
+2.5% QoQ
|
-28.41% |
77.95%
+1.0% YoY
|
86.66%
+13.2% YoY
|
79.03%
+2.3% YoY
|
Top 8.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
58.85%
+4.2% YoY
-4.7% QoQ
|
+36.82% |
22.03%
-0.6% YoY
|
21.87%
-6.7% YoY
|
21.98%
-0.6% YoY
|
Top 0.8% in tier |
| Nonperforming Asset Ratio ? |
0.34%
-29.9% YoY
+1.3% QoQ
|
-0.33% |
0.67%
+16.4% YoY
|
0.74%
+3.7% YoY
|
0.69%
+15.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
20.96%
+23.5% YoY
+4.1% QoQ
|
+5.05% |
15.91%
+1.4% YoY
|
23.41%
+6.1% YoY
|
17.09%
+0.8% YoY
|
Top 11.9% in tier |
| Non-Interest Income / Assets ? |
0.22%
+77.1% YoY
+114.6% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
2.78%
+2.3% YoY
|
0.66%
+5.2% YoY
|
56% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
58.9%
+2.4pp YoY -2.9pp QoQ |
+36.7pp | 22.1% | 25.5% | 22.2% | 99% |
| Brokered Deposits |
0.0%
-0.1pp YoY 0.0pp QoQ |
-7.9pp | 7.9% | 31.0% | 8.5% | 1% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.0%
+3.7pp YoY +2.1pp QoQ |
-0.5pp | 11.6% | 22.5% | 12.5% | 59% |
| CRE |
83.8%
+0.6pp YoY -1.6pp QoQ |
+44.3pp | 39.5% | 68.4% | 41.4% | 98% |
| 1-4 Family |
2.5%
-0.4pp YoY 0.0pp QoQ |
-30.1pp | 32.6% | 12.7% | 31.3% | 2% |
| Consumer |
4.5%
-3.8pp YoY -0.5pp QoQ |
+0.4pp | 4.1% | 31.5% | 5.0% | 74% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
21.0%
+4.0pp YoY +0.8pp QoQ |
+2.1pp | 18.8% | 29.4% | 19.7% | 80% |
| Leverage Ratio |
9.8%
+1.4pp YoY 0.0pp QoQ |
-2.4pp | 12.2% | 16.3% | 12.6% | 26% |
| Total Capital Ratio |
22.2%
+4.0pp YoY +0.8pp QoQ |
+2.3pp | 19.9% | 30.3% | 20.8% | 81% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
57
+22 (+62.9%) YoY +5 (+9.6%) QoQ |
-2 | 58 | 177 | 482 | 60% |
| Assets per Employee ($) |
$7.8M
-29.0% YoY -11.5% QoQ |
+$311K | $7.5M | $17.0M | $8.8M | 65% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 2 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.9% | 0.4% | n/a |
| Nonaccrual |
0.8%
-0.3pp YoY 0.0pp QoQ |
-0.2pp | 0.9% | 1.0% | 1.0% | 64% |
| Allowance Coverage |
2.19x
+37.2% YoY +6.3% QoQ |
-21.96x | 24.15x | 4.66x | 20.23x | 50% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 1.2% | 0.2% | 38% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.8%
+2.4pp YoY +0.8pp QoQ |
+1.6pp | 12.2% | 17.9% | 11.6% | 61% |
| Cost of Funds (YTD) |
0.8%
-0.4pp YoY +0.1pp QoQ |
-0.9pp | 1.7% | 2.0% | 1.7% | 6% |
| Net Income ($, YTD) |
$2.9M
+74.1% YoY — QoQ |
+$333K | $2.6M | $65.7M | $40.4M | 68% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.