Lamar Bank and Trust Company: how it compares with its peers
Against 87 MO banks with half to twice its assets, Lamar Bank and Trust Company's strongest measure in Q2 2026 is net interest margin (4.47% vs. a 4.14% peer median). Its weakest relative measure is efficiency ratio (61.97% vs. 59.76%).
| Measure | Lamar Bank and Trust Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.80% | 1.41% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.47% | 4.14% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.97% | 59.76% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $6.0M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.39% | 84.30% | Context |
What it means for lending operations
Its efficiency ratio of 61.97% is above the 59.76% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Arlo Bank Springfield, MO · $269M
- Ozarks Federal Savings and Loan Association Farmington, MO · $277M
- Community Point Bank Russellville, MO · $260M
- Community First Bank Butler, MO · $259M
- Alliant Bank Madison, MO · $256M
- Commercial Bank Saint Louis, MO · $283M
Questions about Lamar Bank and Trust Company
How big is Lamar Bank and Trust Company?
Lamar Bank and Trust Company, established in 1925, is headquartered in Lamar, MO. It reported $269M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Lamar Bank and Trust Company's return on assets?
1.80% annualized in Q2 2026, against a 1.41% median for 87 MO banks with half to twice its assets, ahead of 69% of them.
What is Lamar Bank and Trust Company's efficiency ratio?
61.97% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 59.76%, and lower is better.
Is Lamar Bank and Trust Company growing its loans?
Net loans grew 4.9% over the year to Q2 2026, while deposits grew 4.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.