# LAMESA NATIONAL BANK
LAMESA, TX · FDIC certificate 3292 · 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 | $426.8M | |
| Deposits | $375.1M | |
| Loans and leases | $60.8M | |
| Total equity | $50.7M | |
| Loans / deposits | 15.76% (p1 of band) | 82.04% |
| Liquid assets / assets | 84.71% (p100 of band) | |
| Uninsured deposits / deposits | 35.12% (p80 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.95% (p69 of band) | 10.81% |
| Unrealized securities loss / equity | -3.20% (p71 of band) | -8.10% |
| AOCI / equity | -3.88% (p2 of band) | |
| ROA (annualized) | 2.24% (p91 of band) | 1.28% |
| Net interest margin | 3.24% (p17 of band) | 3.91% |
| Efficiency ratio | 29.84% (p1 of band) | |
| Noncurrent loans | 1.74% (p86 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | 162.04% | |
| Real estate % of loans | 20% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $609,000 (1.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.2% | |
| Employees | 24 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | noncurrent p90 |  |
| 2012-03 | 4 | uninsured deposits leaving |  |
| 2012-06 | 5 | deposits shrinking, assets shrinking | noncurrent p90 |
| 2012-09 | 5 |  |  |
| 2012-12 | 2 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 3 | capital falling, uninsured deposits leaving |  |
| 2015-06 | 1 |  | capital falling, uninsured deposits leaving |
| 2015-09 | 4 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | NIM <2.5% |
| 2015-12 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-03 | 5 | NIM <2.5%, noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking | charge-offs p90 |
| 2016-06 | 4 |  | assets shrinking |
| 2016-09 | 3 |  | deposits shrinking |
| 2016-12 | 3 |  |  |
| 2017-03 | 5 | capital falling, charge-offs p90 |  |
| 2017-06 | 4 |  | capital falling |
| 2017-09 | 3 |  | charge-offs p90 |
| 2017-12 | 4 | charge-offs p90 |  |
| 2018-03 | 4 | capital falling | charge-offs p90 |
| 2018-06 | 3 |  | capital falling |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | charge-offs p90 |  |
| 2019-03 | 3 |  | charge-offs p90 |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | charge-offs p90 |  |
| 2020-03 | 2 | capital falling | noncurrent p90, reserve under noncurrent, charge-offs p90 |
| 2020-06 | 3 | noncurrent p90, reserve under noncurrent | capital falling |
| 2020-09 | 2 |  | reserve under noncurrent |
| 2020-12 | 3 | reserve under noncurrent |  |
| 2021-03 | 5 | capital falling, expense ratio p90 |  |
| 2021-06 | 3 |  | reserve under noncurrent, expense ratio p90 |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | deposits shrinking |  |
| 2023-09 | 7 | charge-offs p90, assets shrinking, uninsured deposits leaving |  |
| 2023-12 | 4 |  | securities losses >30% of equity, charge-offs p90, uninsured deposits leaving |
| 2024-03 | 2 |  | deposits shrinking, assets shrinking |
| 2024-06 | 1 |  | noncurrent p90 |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | NIM <2.5% |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2023-05-16 [‘Born to work:’ 95-year-old Lamesa banker celebrating 75 years and counting on the job - KCBD](https://news.google.com/rss/articles/CBMipAFBVV95cUxNYXgwM0VuV051Q2hoUTlxdDV3YWowbmpneTA1NmtVTEhQaFpnamRyMVRadWItbVlpVmc5SU13aFJEYkJ6TEgyM3FqUzNhV3oyUHZKNEZFR25IVWtNdUN0MlB1LThOeWdQU2FxUW02VmNtN2xmdDdpdlMyN0tCVndtTjNxSGdJVnRIMEJlS1NjS0ZhNDAweG5fX0Y2d1JWWUtlc2c3ONIBuAFBVV95cUxNTjlhQWVFUXdSd3JEMS14RnJpM3lDQXgtQVpfcW1HNHdySHhYR2RabC1Nd2prZEc0QmhhY093LTIxTEZUQnZFbk9DX0VuSnQ3TGdjeEl0MFRabFoxUHV1aGlNSkVpR0VFdzNkYU9zczFpQXhBZ3BXbjhUVU8ySnhuR1NrNklOQnNPQnFLQUdXcFc5NGZ4SF9TQUQtRmZ4VVhabnFJNXkzMngtQm1MOW5TQWJFWkw5Tmh5?oc=5) · KCBD
- 2021-02-01 [Obituary information for Leta Gene Hamilton - Branon Funeral Home](https://news.google.com/rss/articles/CBMigwFBVV95cUxNTk9CRlR2Zm1pcktpNVVQQV8zRlJqRmltbHBUdU0taGVZZ3ROQjQxUmhWakV3TFhGSm5TUW4wU3hZUUVjRjNVQ2ZWcGJRbEY4RVpOT01ndDRjaW5jY2swdUVYNkE2M0trdmJfVmlVbDQxbUc3WEtkVERxU2VjSlFnS0J5UQ?oc=5) · Branon Funeral Home
- 2021-01-26 [Joy Boyd Obituary January 26, 2021 - Harper Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE53RFdkV2w3SkFKVkw1blU1emZnOU9UNWo1RTVfS292TnFsZ1Z6M1E5dVl0c2pHUzluZ0xfU1FZUkF3YUJWMXRtZzI2TGRzSWtKcVhwVmt4SEJ1aGM5Yk5QOUZxS2s?oc=5) · Harper Funeral Home
- 2018-09-04 [Obituary information for Nolen Cope - Branon Funeral Home](https://news.google.com/rss/articles/CBMieEFVX3lxTFBYYUtleG95LUlNT2FrUDI2ekR3TWdIbGJXT2VFQ3RMcm8yckVXdDFEa0tYZGlzSUNGNFBKY1ZaQ0p6N3Z2cnRzb1N6M2trTFVobW9HYUdGZFUzN0ptUVRweWxiYUc3cncxbXJxbUJxY0NOYU9mWm43OQ?oc=5) · Branon Funeral Home
- 2021-09-29 [Don Kearney Obituary (2003 - 2019) - Lamesa, TX - Lubbock Avalanche-Journal - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQc25ZUTFYUkVzSlFiRnAwelJNT3VJZW41aE9JYUpOdmRrWUdNM096N2RvVHktZU9udmVjMFpBcksyOVhLMUl2YzU0akw0WWczRnFteHM5TDBBZzFaRDc0MWcwOW1PMEtXYVpDLXRJNlFwN3BOdUg0SE5WNnFraDZIQWhrN3JmR2NwUHBjRnpFb2U?oc=5) · legacy.com
- 2012-08-29 [Obituary information for Jerry Cecil Pendergraft - Branon Funeral Home](https://news.google.com/rss/articles/CBMiigFBVV95cUxPUzNrX25TYjRTUmlmbUUyOTFPMHhfTEFfNXRrNHBhVVpYWDlXdmY2ekZDMEU5Qi1xMzdqNXgtWFhxRndwekQ5QlNWYXJkaGxXU3gydFRJbXVRUlpSX0VxREhxdUhjRnhkbXpkQ3JoT0p6dml5MW9LemYwRTdqMUx6aGs4bXM2UWthR3c?oc=5) · Branon Funeral Home
- 2008-11-11 [Ernestine Duncan Obituary (2008) - Lubbock, TX - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPdlp2RXJ6Q2FuQUtJNm43a2Z2VjVIWE1pbXpVRmRrWkVscGtMNEhTZlczaWdGc09GR3V6R0thc20wdHRHY1hvUWpnbG44YU1BZDgzcnFwUmJLdUpWRWRXc1Zab0VxUE00WjhuVkt3ZkF4Mzc5bEtIRmhQNUhjUDdkY2s5d28yZnlm?oc=5) · legacy.com
- 2018-04-07 [Obituary information for David Kirkland - Branon Funeral Home](https://news.google.com/rss/articles/CBMifkFVX3lxTFA5YkllSkdZSUxqMDc1YlNvYXFiZURjc3hLbEx0QnRISC1BRURoa0RCUUxQRzFYa2M4clBhTjRDVmQ2V2s1SlczMmg4cUlNR2hWb2xtRHVsdFkxblY1S0FWZHo2OVdKeUFjeFVJZjRJRHVPT2Znb0phWjRUMVJ6dw?oc=5) · Branon Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3292 (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/28.json (key "3292", 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.

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