Lovelady State Bank: how it compares with its peers
Against 39 TX banks with half to twice its assets, Lovelady State Bank's strongest measure in Q2 2026 is net interest margin (4.67% vs. a 3.96% peer median). Its weakest relative measure is efficiency ratio (75.48% vs. 73.65%).
| Measure | Lovelady State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.18% | 0.90% | Middle third Ahead of 59% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.67% | 3.96% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.48% | 73.65% | Middle third Ahead of 44% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $4.9M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 51.77% | 43.68% | Context |
What it means for lending operations
Its efficiency ratio of 75.48% is above the 73.65% 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
- The Granger National Bank Granger, TX · $53M
- The First National Bank of Moody Moody, TX · $54M
- State National Bank Groom, TX · $55M
- The Donley County State Bank Clarendon, TX · $50M
- Amistad Bank Del Rio, TX · $57M
- The First National Bank in Cooper Cooper, TX · $57M
Questions about Lovelady State Bank
How big is Lovelady State Bank?
Lovelady State Bank, established in 1974, is headquartered in Lovelady, TX. It reported $53M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Lovelady State Bank's return on assets?
1.18% annualized in Q2 2026, against a 0.90% median for 39 TX banks with half to twice its assets, ahead of 59% of them.
What is Lovelady State Bank's efficiency ratio?
75.48% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 73.65%, and lower is better.
Is Lovelady State Bank growing its loans?
Net loans grew 0.2% over the year to Q2 2026, while deposits shrank 5.9%.
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 TX 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 Texas bank ranked.