Lamar Bank and Trust Company (FDIC certificate #1964) is based in Lamar, Missouri. Its Q2 2026 call report shows $269.0M in total assets and $235.1M in deposits and 2 offices.
Based on its Q2 2026 filing, Lamar Bank and Trust Company scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 54th. Its strongest component is problem-loan coverage (99/100; 0.4%), and its lowest is capital cushion (52/100; 10.20%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (81 → 79), mostly because the earnings component weakened by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 78 |
| Q4 2024 | 78 |
| Q1 2025 | 77 |
| Q2 2025 | 81 |
| Q3 2025 | 80 |
| Q4 2025 | 80 |
| Q1 2026 | 80 |
| Q2 2026 | 79 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.46% |
| Q3 2024 | 10.14% |
| Q4 2024 | 10.32% |
| Q1 2025 | 10.20% |
| Q2 2025 | 10.22% |
| Q3 2025 | 10.30% |
| Q4 2025 | 10.30% |
| Q1 2026 | 10.17% |
| Q2 2026 | 10.20% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.12% |
| Q4 2024 | 0.19% |
| Q1 2025 | 0.14% |
| Q2 2025 | 0.07% |
| Q3 2025 | 0.07% |
| Q4 2025 | 0.06% |
| Q1 2026 | 0.09% |
| Q2 2026 | 0.05% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.72% |
| Q3 2024 | 1.76% |
| Q4 2024 | 1.79% |
| Q1 2025 | 1.67% |
| Q2 2025 | 1.99% |
| Q3 2025 | 1.94% |
| Q4 2025 | 1.92% |
| Q1 2026 | 1.85% |
| Q2 2026 | 1.80% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $269.0M | 10.20% | 0.05% | 1.80% | 86.4% |
| Q1 2026 | 80 | $262.6M | 10.17% | 0.09% | 1.85% | 84.6% |
| Q4 2025 | 80 | $260.4M | 10.30% | 0.06% | 1.92% | 89.0% |
| Q3 2025 | 80 | $261.4M | 10.30% | 0.07% | 1.94% | 87.1% |
| Q2 2025 | 81 | $259.1M | 10.22% | 0.07% | 1.99% | 86.4% |
| Q1 2025 | 77 | $257.9M | 10.20% | 0.14% | 1.67% | 85.7% |
| Q4 2024 | 78 | $242.2M | 10.32% | 0.19% | 1.79% | 83.3% |
| Q3 2024 | 78 | $246.5M | 10.14% | 0.12% | 1.76% | 82.0% |
| Q2 2024 | 80 | $245.7M | 10.46% | 0.13% | 1.72% | 79.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Arlo BankBank Springfield, MO | 77 out of 100, Strong | $269.1M | 13.5% | 0.00% | vs |
| Ozarks Federal Savings and Loan AssociationBank Farmington, MO | 76 out of 100, Strong | $277.2M | 15.1% | 0.95% | vs |
| Community Point BankBank Russellville, MO | 71 out of 100, Strong | $259.7M | 8.2% | 0.07% | vs |
| Community First BankBank Butler, MO | 67 out of 100, Moderate | $258.9M | 8.6% | 0.95% | vs |
| Alliant BankBank Madison, MO | 70 out of 100, Strong | $256.4M | 9.0% | 0.00% | vs |
| Commercial BankBank Saint Louis, MO | 51 out of 100, Below average | $282.9M | 7.9% | 1.00% | vs |
Deposit insurance
Is my money safe at Lamar Bank and Trust Company?
Yes. Lamar Bank and Trust Company is an FDIC-insured institution (FDIC certificate #1964). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.7% of deposits ($44.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.20%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Lamar Bank and Trust Company lists 2 offices in 2 cities. Most locations:
- Lamar, MO (1)
- Lockwood, MO (1)
Identity & history
Profile
- Legal name
- Lamar Bank and Trust Company
- Former names
- Lamar Trust Company
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 1964
- RSSD ID
- 767255
- Primary regulator
- FED
- Holding company
- Lamar Trust Bancshares Inc
- Established
- March 25, 1925
- Headquarters
- 1000 Broadway St, Lamar, MO 64759
- Website
- www.lbt.com
- Employees
- 42
Quick answers
Lamar Bank and Trust Company: common questions
Is Lamar Bank and Trust Company FDIC insured?
Yes. Lamar Bank and Trust Company is an FDIC-insured institution (FDIC certificate #1964). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Lamar Bank and Trust Company's TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Lamar Bank and Trust Company ever failed?
There is no failure record for FDIC certificate #1964 in the FDIC failed bank list.
How many branches does Lamar Bank and Trust Company have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lamar
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens BankBank Butler, MO | 70 out of 100, Strong | $188.1M | 7.7% | 0.20% | vs |
| Southwest Missouri BankBank Carthage, MO | 68 out of 100, Moderate | $1.2B | 8.7% | 0.25% | vs |
| Community National Bank & TrustBank Chanute, KS | 65 out of 100, Moderate | $2.5B | 9.0% | 0.80% | vs |
| Simmons BankBank Pine Bluff, AR | 60 out of 100, Moderate | $24.7B | 9.2% | 0.92% | vs |
| Arvest BankBank Fayetteville, AR | 57 out of 100, Moderate | $28.1B | 9.1% | 0.86% | vs |