# LAMAR NATIONAL BANK
PARIS, TX · FDIC certificate 23597 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $375.9M | |
| Deposits | $335.9M | |
| Loans and leases | $221.1M | |
| Total equity | $33.0M | |
| Loans / deposits | 64.89% (p18 of band) | 82.04% |
| Liquid assets / assets | 31.86% (p68 of band) | |
| Uninsured deposits / deposits | 19.51% (p27 of band) | 25.97% |
| Brokered deposits | 4.22% | |
| Wholesale funding | 4.22% (p54 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.64% (p48 of band) | 10.81% |
| Unrealized securities loss / equity | -28.80% (p13 of band) | -8.10% |
| AOCI / equity | 1.11% (p95 of band) | |
| ROA (annualized) | 0.73% (p18 of band) | 1.28% |
| Net interest margin | 4.32% (p74 of band) | 3.91% |
| Efficiency ratio | 78.86% (p88 of band) | |
| Noncurrent loans | 0.15% (p29 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p72 of band) | |
| Reserve coverage of noncurrent | 943.71% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 82.66% (p79 of band) | |
| Auto loans | $301,000 (0.14% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 71 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | uninsured deposits leaving |  |
| 2017-03 | 2 | reserve under noncurrent |  |
| 2017-06 | 3 | noncurrent p90 |  |
| 2017-09 | 3 | capital falling | uninsured deposits leaving |
| 2017-12 | 4 | charge-offs p90 |  |
| 2018-03 | 2 |  | capital falling, charge-offs p90 |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | charge-offs p90 |  |
| 2019-06 | 3 |  | charge-offs p90 |
| 2019-09 | 2 |  | capital falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | noncurrent p90 |
| 2020-06 | 3 | wholesale funding >15%, capital falling |  |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 1 |  | wholesale funding >15% |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | expense ratio p90, charge-offs p90 | reserve under noncurrent |
| 2021-12 | 2 | capital falling | expense ratio p90 |
| 2022-03 | 3 | AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity | charge-offs p90 |
| 2022-09 | 5 | expense ratio p90, construction >100% equity |  |
| 2022-12 | 6 | noncurrent p90, reserve under noncurrent | capital falling |
| 2023-03 | 6 | charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 6 | capital falling | charge-offs p90 |
| 2023-09 | 3 | wholesale funding >15% | expense ratio p90, noncurrent p90, reserve under noncurrent, capital falling |
| 2023-12 | 2 |  | wholesale funding >15% |
| 2024-03 | 5 | capital falling, losing money, charge-offs p90 |  |
| 2024-06 | 3 |  | capital falling, losing money |
| 2024-09 | 4 | uninsured deposits leaving |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 |  | charge-offs p90 |
| 2025-06 | 3 |  |  |
| 2025-09 | 1 |  | construction >100% equity, uninsured deposits leaving |
| 2025-12 | 1 | uninsured deposits leaving | securities losses >30% of equity |
| 2026-03 | 1 | securities losses >30% of equity | uninsured deposits leaving |
| 2026-06 | 0 |  | securities losses >30% of equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-05-21 [Coleman joins Lamar National Bank as Senior Vice President of Mortgage Lending - MyParisTexas](https://news.google.com/rss/articles/CBMipwFBVV95cUxNTHdWM3dFX0paTjNtdUVRdk5rWkN4ZDJMd0dNd21BcF9sazRjYm5vWGhPT1Uta1ljUF9mRHNKUC1RUzAxcFZ5ZG5SRFhpeEVyRDJldDVLS1Q4eUZsSEdCQ194SU1nMGFUWWtyYUY3MWtNUk85bExCaXM4d1poVTBoQnBIbDMxOTVuZDBmR1pVWUZvZC1HQ1RyWkdwWklVUVNnTF8yWDJ3Yw?oc=5) · MyParisTexas
- 2024-12-05 [Vice President Joe H. Iglehart of Lamar National Bank announces his retirement after 40 years of service - eextra.news](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQX1E3Tnhzenh4cV9QN1luak1tbEtJeFhBWVBXN2lubUxLZmtXV25FeVpuemZDMVdyZ01wck43eVNYdlU4M0NkWThYRDVPMmtVbFdJUXRRQ3RQUXhMaDNOcEJWNDhlMDVWTFpqZjZIOUVJVWtZUDd0SlVOZTN0M0txdGh5RWh0RzVRR2RVbFkwWEREbUN0WEd4SXdYbGpNSV9rWnJlR0wzZUxZSUxGY1QtU1ZGQ1UzYmNSMWE5Qnl4SUNQdERiSno4M0lUUW9ibnJqOWRzeFFCdXI?oc=5) · eextra.news
- 2021-03-21 [Lamar National Bank names new director, officers - theparisnews.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxObzdtYVJwTzV0MEVVTkdqMjFkRHdhSE5Ua0JIbUoyUjV6eEo5OTU1bVhKV2QwZG9hbW9yai01dHY5Tk42cGkyR0cwdDRuLU9WRHVySVhhYm1Yb29uamp2TnRFRjZIR0htQ3N3U2x6VUlhdU5CU3AyNWZmanFJX1dJVDYtUS1GZzVrZ3J5VF8td08yUHU3ai1BREZobXFSTHgwQzhSS0FkYm52VDRSSkJiRG9jdXdwYno2RGdjcWloM0FUSVdtZGc?oc=5) · theparisnews.com
- 2025-04-08 [Texas bankers pull back on lending - marketplace.org](https://news.google.com/rss/articles/CBMickFVX3lxTFBVMzBoQmNUTFdBbUdBSmUxSkQ4SVRwQ05hM1BSSW9HUkVubVl4alZzZ1JOeEVCYU91cTlUUERkSXFRVnFzY19MMDB5dmF0azBEZHBTWUVkR2xmV2JPc3pqYzljWkNqS0dnZmQ1WGt4cHpoUQ?oc=5) · marketplace.org
- 2022-03-11 [Lamar National Bank breaks ground on Anna location BREAKS GROUND ON ANNA LOCATION - MyParisTexas](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPTGNWWm1CVmtfTlN2NzZodHlWSC1SVF9mTWVNa3lnVDVZR3hMdHBVNnB4WmcwMFBVVGNEaHdtRnFtX1Z3Q2M0SDdkZWZINmp5MEZ0bENiOFJaWmYzaWhXSWZtX2RFNVFSbEh1c21LVnVVd2xjRFVLaXREZW9SdW5OUDU3ZUxyM05vRElBN09NSWJuNVhqRGJETkd0TUMtYk5jbmR3VlBRUTlnaFE?oc=5) · MyParisTexas
- 2022-02-19 [Lamar National Bank names Herrin to Board, Jaska CFO - theparisnews.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxQTjFWOVZ5RzlWRlNfNjQyREpOQVY3eEhRRnkyY1pXVnhuNUpNR1IzNkhFTDZUMlBMa0pKMm9qdC0yTm1fZEMzdlc5bDR0aGpiYTdUYUt4elBlbXk3OW5CVGgxVzVUbnBGamlBWUJrM19meWQwbUxNazZhT0pNbEFYWTRLVElidWxERGZTS1EzN004OG4xT2liU3JGOVdqcEVlSE5jNFM2ZUszMGJfMlEtWjh5SlJ4RVJSSHl4am1vX2FmTmpfZ1lwSy1DUQ?oc=5) · theparisnews.com
- 2022-12-14 [Lamar National Bank announces promotions - eextra.news](https://news.google.com/rss/articles/CBMihAFBVV95cUxPUkNqcFlSUUI3VzItNjlsMW02SXA1RnBtS1pLX0poT2Rnc1BTemE1X2FJbHcxSWZjaHRTWWtnelVwcVpfNXJfVXA0dGlHM2tBSXlzUmFpUXBwbUZGU3QtV3Zvb0N4ZEFfMzJ5M0NDQ01vMWdJdnp6NlRCZHUxNVFiSEtwdVY?oc=5) · eextra.news
- 2023-01-04 [Former MLB All-Star Torii Hunter joins Lamar National Bank Board - MyParisTexas](https://news.google.com/rss/articles/CBMilAFBVV95cUxQZ0p2VkxxM25XNHo4OVJkR0s2azJPQ2w1LUktdkR6RGtHVzFGNFc2cElIaFoxTF9NVTJDWTVndTVWeGx2YWp0WmR3M1lfczhvTTBJT0s4UjNMajdHdTRrRmhzeDFTQkRTaDJ0V3lYdi1zX2YxakFOdzlEMkxvWE92TDRzcVlVV1k1ZzRlUHNTbEdxUGdh?oc=5) · MyParisTexas

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23597 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/45.json (key "23597", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide