Lamar National Bank: how it compares with its peers
Against 139 TX banks with half to twice its assets, Lamar National Bank's strongest measure in Q2 2026 is net interest margin (4.32% vs. a 4.18% peer median). Its weakest relative measure is efficiency ratio (78.86% vs. 61.58%).
| Measure | Lamar National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.73% | 1.44% | Bottom third Ahead of 17% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.32% | 4.18% | Middle third Ahead of 60% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.86% | 61.58% | Bottom third Ahead of 11% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $7.1M | Bottom third Ahead of 18% of peers |
| Loans to deposits Net loans and leases over total deposits. | 64.89% | 72.09% | Context |
What it means for lending operations
Its efficiency ratio of 78.86% is above the 61.58% 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
- Gilmer National Bank, Gilmer, Texas Gilmer, TX · $374M
- First State Bank Stratford, TX · $372M
- Crossroads Bank Yoakum, TX · $381M
- Yoakum Bank Yoakum, TX · $386M
- The MINT National Bank Kingwood, TX · $389M
- Lakeside Bank Rockwall, TX · $389M
Questions about Lamar National Bank
How big is Lamar National Bank?
Lamar National Bank, established in 1981, is headquartered in Paris, TX. It reported $376M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Lamar National Bank's return on assets?
0.73% annualized in Q2 2026, against a 1.44% median for 139 TX banks with half to twice its assets, ahead of 17% of them.
What is Lamar National Bank's efficiency ratio?
78.86% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 61.58%, and lower is better.
Is Lamar National Bank growing its loans?
Net loans shrank 7.6% over the year to Q2 2026, while deposits grew 4.3%.
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.