TellerScore

Headquartered in Lamesa, Texas, The Lamesa National Bank is a national bank with $426.8M in total assets and $375.1M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1927.

Based on its Q2 2026 filing, The Lamesa National Bank scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 187th. Its strongest component is earnings (100/100; 2.24%), and its lowest is loan quality (42/100; 1.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Tier 1 leverage ratio: 11.95%
Loan quality42/100
Noncurrent loans ÷ total loans: 1.74%
Earnings100/100
Return on assets (annualized): 2.24%
Funding & liquidity78/100
Loans ÷ deposits and uninsured-deposit share: 15.8% · 35.1% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.02%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 73).

TellerScore
667074Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202468
Q4 202468
Q1 202571
Q2 202573
Q3 202573
Q4 202574
Q1 202669
Q2 202673
Tier 1 leverage ratio
5.00%8.48%11.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.02%
Q3 202411.01%
Q4 202411.19%
Q1 202511.16%
Q2 202511.26%
Q3 202511.33%
Q4 202511.33%
Q1 202611.62%
Q2 202611.95%
Noncurrent loans
1.20%1.59%1.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.37%
Q3 20241.20%
Q4 20241.27%
Q1 20251.60%
Q2 20251.45%
Q3 20251.37%
Q4 20251.34%
Q1 20261.98%
Q2 20261.74%
Return on assets
1.15%1.69%2.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.15%
Q3 20241.19%
Q4 20241.29%
Q1 20251.96%
Q2 20252.02%
Q3 20251.98%
Q4 20251.99%
Q1 20262.15%
Q2 20262.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$426.8M11.95%1.74%2.24%15.8%
Q1 202669$441.3M11.62%1.98%2.15%14.5%
Q4 202574$436.7M11.33%1.34%1.99%20.0%
Q3 202573$427.8M11.33%1.37%1.98%20.1%
Q2 202573$417.8M11.26%1.45%2.02%19.6%
Q1 202571$414.9M11.16%1.60%1.96%19.8%
Q4 202468$411.5M11.19%1.27%1.29%23.7%
Q3 202468$395.7M11.01%1.20%1.19%25.1%
Q2 202466$384.4M11.02%1.37%1.15%22.6%

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 ratio11.95%
65th
Total risk-based capital43.16%
99th
Problem loans1.74%
15th
Net charge-offs-0.02%
92nd
Return on assets2.24%
92nd
Net interest margin3.24%
18th
Efficiency ratio29.8%
99th
Loans to deposits15.8%
99th
Uninsured deposits35.1%
17th
Loan-loss reserves2.82%
98th
Texas ratio2.0%
57th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texas State BankBank San Angelo, TX91 out of 100, Very strong$425.5M13.6%0.00%vs
The Commercial National Bank of BradyBank Brady, TX78 out of 100, Strong$425.4M10.2%0.00%vs
Texas Champion BankBank Corpus Christi, TX64 out of 100, Moderate$436.6M10.5%0.39%vs
First Lockhart BankBank Lockhart, TX63 out of 100, Moderate$415.9M9.3%0.29%vs
Broadstreet Bank S S BBank Mineola, TX70 out of 100, Strong$442.8M12.1%0.44%vs
West Texas State BankBank Snyder, TX60 out of 100, Moderate$443.7M10.5%1.77%vs

Deposit insurance

Is my money safe at The Lamesa National Bank?

Yes. The Lamesa National Bank is an FDIC-insured institution (FDIC certificate #3292). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.1% of deposits ($131.7M) 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 11.95%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 43.16% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

The Lamesa National Bank lists 1 office in 1 city. Most locations:

  • Lamesa, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
The Lamesa National Bank
Type
National bank
FDIC certificate #
3292
RSSD ID
623052
Primary regulator
OCC
Established
July 30, 1927
Headquarters
602 S 1st St, Lamesa, TX 79331
Employees
24

Quick answers

The Lamesa National Bank: common questions

Is The Lamesa National Bank FDIC insured?

Yes. The Lamesa National Bank is an FDIC-insured institution (FDIC certificate #3292). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Lamesa National Bank's TellerScore?

73 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 The Lamesa National Bank ever failed?

There is no failure record for FDIC certificate #3292 in the FDIC failed bank list.

How many branches does The Lamesa National Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lamesa

InstitutionScoreAssetsCapitalProblem loansCompare
First United BankBank Dimmitt, TX77 out of 100, Strong$2.4B11.2%0.41%vs
The State National Bank of Big SpringBank Big Spring, TX67 out of 100, Moderate$640.0M11.2%1.63%vs
Caprock Federal Credit UnionCredit union Lamesa, TX56 out of 100, Moderate$40.4M11.5%1.43%vs