TellerScore

Lea County State Bank is a state-chartered bank (fed member) headquartered in Hobbs, New Mexico, in business for about 98 years. At the end of Q2 2026 it reported $738.3M in total assets and $662.4M in deposits, with 3 offices.

Lea County State Bank has a TellerScore of 49 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 2,650 banks with $100 million – $1 billion. Among 29 banks headquartered in New Mexico, it ranks 28th. Earnings contributes the most (83/100, 1.58%); loan quality contributes the least (0/100, 3.61%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.21%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.61%
Earnings83/100
Return on assets (annualized): 1.58%
Funding & liquidity81/100
Loans ÷ deposits and uninsured-deposit share: 34.6% · 31.9% uninsured
Problem-loan coverage73/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.71%

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 rose 4 points (45 → 49), mostly because the problem-loan coverage component improved by 29 points.

TellerScore
455973Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202469
Q4 202466
Q1 202567
Q2 202545
Q3 202545
Q4 202548
Q1 202649
Q2 202649
Tier 1 leverage ratio
5.00%7.18%9.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.75%
Q3 20248.34%
Q4 20248.41%
Q1 20258.89%
Q2 20258.60%
Q3 20258.44%
Q4 20259.16%
Q1 20269.36%
Q2 20269.21%
Noncurrent loans
0.41%2.97%5.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.41%
Q3 20240.81%
Q4 20241.16%
Q1 20251.20%
Q2 20255.53%
Q3 20255.53%
Q4 20254.01%
Q1 20264.31%
Q2 20263.61%
Return on assets
1.58%1.93%2.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.28%
Q3 20242.11%
Q4 20241.91%
Q1 20251.92%
Q2 20251.67%
Q3 20251.72%
Q4 20251.63%
Q1 20261.74%
Q2 20261.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202649$738.3M9.21%3.61%1.58%34.6%
Q1 202649$718.6M9.36%4.31%1.74%34.3%
Q4 202548$708.0M9.16%4.01%1.63%34.9%
Q3 202545$722.3M8.44%5.53%1.72%33.7%
Q2 202545$725.7M8.60%5.53%1.67%33.9%
Q1 202567$689.8M8.89%1.20%1.92%36.0%
Q4 202466$688.2M8.41%1.16%1.91%36.4%
Q3 202469$778.9M8.34%0.81%2.11%35.9%
Q2 202473$719.1M8.75%0.41%2.28%41.4%

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).

Capital ratio9.21%
15th
Total risk-based capital21.32%
89th
Problem loans3.61%
4th
Net charge-offs0.66%
4th
Return on assets1.58%
70th
Net interest margin3.99%
53rd
Efficiency ratio53.0%
77th
Loans to deposits34.6%
97th
Uninsured deposits31.9%
23rd
Loan-loss reserves1.49%
78th
Texas ratio13.7%
11th

Similar-size banks in New Mexico

InstitutionScoreAssetsCapitalProblem loansCompare
The Citizens BankBank Farmington, NM80 out of 100, Strong$804.3M9.1%0.02%vs
Four Corners Community BankBank Farmington, NM75 out of 100, Strong$662.3M9.6%0.35%vs
Western Commerce BankBank Carlsbad, NM51 out of 100, Below average$863.5M8.8%2.30%vs
The Citizens Bank of ClovisBank Clovis, NM80 out of 100, Strong$493.1M12.2%0.04%vs
Southwest Capital BankBank Albuquerque, NM61 out of 100, Moderate$482.9M10.8%1.66%vs
First National BankBank Alamogordo, NM42 out of 100, Below average$452.8M10.3%5.29%vs

Deposit insurance

Is my money safe at Lea County State Bank?

Yes. Lea County State Bank is an FDIC-insured institution (FDIC certificate #12259). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.9% of deposits ($211.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.21%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.32% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Lea County State Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Lea County State Bank
Former names
Lea County State Bank of Lovington; New Mexico Bank and Trust Company; The New Mexico Bank and Trust Company; First Interstate Bank of Lea County
Type
State-chartered bank (Fed member)
FDIC certificate #
12259
RSSD ID
1015252
Primary regulator
FED
Holding company
Lea County Bancshares Inc
Established
January 1, 1928
Headquarters
1017 N Turner St, Hobbs, NM 88240
Employees
86

Quick answers

Lea County State Bank: common questions

Is Lea County State Bank FDIC insured?

Yes. Lea County State Bank is an FDIC-insured institution (FDIC certificate #12259). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Lea County State Bank's TellerScore?

49 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Lea County State Bank ever failed?

There is no failure record for FDIC certificate #12259 in the FDIC failed bank list.

How many branches does Lea County State Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hobbs

InstitutionScoreAssetsCapitalProblem loansCompare
Estacado Federal Credit UnionCredit union Hobbs, NM87 out of 100, Very strong$120.0M14.1%0.73%vs
First American BankBank Artesia, NM80 out of 100, Strong$1.9B11.8%0.53%vs
Sundown State BankBank Sundown, TX79 out of 100, Strong$307.7M11.6%0.84%vs
Pioneer BankBank Roswell, NM73 out of 100, Strong$1.1B12.3%1.71%vs
The James Polk Stone Community BankBank Portales, NM66 out of 100, Moderate$443.8M10.0%1.41%vs
First National Bank TexasBank Killeen, TX64 out of 100, Moderate$4.6B9.1%1.23%vs