# LEXICON BANK
LAS VEGAS, NV · FDIC certificate 59117 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $446.2M | |
| Deposits | $400.1M | |
| Loans and leases | $201.5M | |
| Total equity | $43.2M | |
| Loans / deposits | 49.55% (p6 of band) | 82.04% |
| Liquid assets / assets | 53.98% (p95 of band) | |
| Uninsured deposits / deposits | 60.40% (p98 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.77% (p28 of band) | 10.81% |
| Unrealized securities loss / equity | -4.25% (p66 of band) | -8.10% |
| AOCI / equity | -0.09% (p67 of band) | |
| ROA (annualized) | 1.29% (p51 of band) | 1.28% |
| Net interest margin | 4.39% (p77 of band) | 3.91% |
| Efficiency ratio | 62.24% (p53 of band) | |
| Noncurrent loans | 0.74% (p65 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p42 of band) | |
| Reserve coverage of noncurrent | 219.25% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 18.08% (p23 of band) | |
| Auto loans | $8.9M (4.41% of loans; DQ 1.22%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 13.4% | |
| Employees | 57 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2019-09 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 | capital falling | NIM <2.5% |
| 2020-06 | 6 | loans exceed deposits, wholesale funding >15%, NIM <2.5% |  |
| 2020-09 | 7 | uninsured deposits >50% |  |
| 2020-12 | 7 |  |  |
| 2021-03 | 4 |  | losing money, expense ratio p90, NIM <2.5% |
| 2021-06 | 2 |  | capital falling, uninsured deposits >50% |
| 2021-09 | 1 |  | loans exceed deposits |
| 2021-12 | 0 |  | wholesale funding >15% |
| 2022-03 | 2 | uninsured deposits >50%, assets shrinking |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | capital falling, charge-offs p90 | assets shrinking |
| 2023-03 | 2 |  | charge-offs p90 |
| 2023-06 | 2 | charge-offs p90, uninsured deposits leaving | uninsured deposits >50%, capital falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 0 |  | charge-offs p90, uninsured deposits leaving |
| 2024-03 | 3 | capital falling, charge-offs p90, uninsured deposits leaving |  |
| 2024-06 | 3 | uninsured deposits >50% | uninsured deposits leaving |
| 2024-09 | 1 |  | capital falling, charge-offs p90 |
| 2024-12 | 0 |  | uninsured deposits >50% |
| 2025-03 | 1 | uninsured deposits >50% |  |
| 2025-06 | 2 | capital falling |  |
| 2025-09 | 1 |  | capital falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-07-02 [Lexicon Bank Expands Executive Leadership Team to Support Continued Growth - Nevada Business Magazine](https://news.google.com/rss/articles/CBMirwFBVV95cUxQMzZ4NFJra2pFM3V0OVRnSy1Bb2NVcU1fS0p1MFBsalVOSDh5ODk1cnFzcF85MGRuTUhuam55anVqVGhtNmllYVdFT2IxRmROdWJDVnZNVzBhbHVWbnZmRldGaThRVzFDME96SVVLM3NmeVljTTZzaFRjZ0lwU1pBZmtlOU1LUHJ0ZHA4NXRGa3dUb3ZaMU1haWFQMDN3aGVsc1dtN3NoWW5kRXhOTWFr?oc=5) · Nevada Business Magazine
- 2026-08-25 [Lexicon Bank Features St. Jude’s Ranch for Children’s Healing Center As Its August Community Spotlight - Nevada Business Magazine](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPd1RpeVJyemJrLWdhdF83R251OFR2V2Jlb2RRTzF2VkZ6YXlLWkk4bXdMME5MSkNGelA4MFlGd3pPYm1NeHRLTjlOa3lqdXpseDQ5MHMtMG1pdlNDZkwzZE5rMVlYZHVmYTlBOWYyc1c0Tk9ZTjhrNWU2dDJfRGd2QmhhR0djRUh6a2dWdFRLODF5cWdvSW5VU05mejJzZGFUeEkyVUNtV29hRVNZUHhRb1lVU3VQdjkxbHktMmFsd1dsUWJfZW9wcTVaWFZnUE9J?oc=5) · Nevada Business Magazine
- 2026-08-04 [The List: Clark County banks - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMioAFBVV95cUxQV25wWjNjM2hDdllYVEY2Y0tZQkpuUGMwN1JMSncyTlN3T05XYVAwajFWZ29MZVFiTEVXR0xhX3ZiUlJyelVRRXJMZ2pueURPQmM3U3lXTDJQYTRmUXVJOFNuSDh6SlppUGNCaDhUUHJLQlJud2hCVmp5S2lwZ05RSnZqZmJBUWNlY2dDUHcxNmhINkpDMldEb3ZXeWpQckRY?oc=5) · Las Vegas Review-Journal
- 2024-09-24 [Las Vegas’ Lexicon Bank bets on growth with nonprofits - Banking Dive](https://news.google.com/rss/articles/CBMilgFBVV95cUxOUUJEZjdjR3B1eDFIdVEzSVYzZTFib2l6czRyNjhqX1laNlAyNkJvaGRiRGxvUTRJdzZmOTBIb1lydzhBUXFWcWx3VTMwaDRtYnpFMTNaMU5JaWhBS0otdHVmcnhmMmxTSWJmZHNJaGluNXc3NE9PMV9nYThfcmlxaTQ1MFZ3ZExrWDA2OEhwandwRUpVN0E?oc=5) · Banking Dive
- 2026-08-14 [Lexicon Bank’s Mindy Kermes Appointed to Henderson Chamber of Commerce Board of Directors - Nevada Business Magazine](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOUFhZbGZzTlZKd1M0NURxOHhJYmk4YW00Sks2MEQ4cXRiSTJ2RDRtV2tmM1c3cTVxWDRsY3RSN1oxajVnTjIyMVJmWlU5MEJIN2g0VVlhVF9jS0Z6cGtqMndsM0pDU0dKRVV6Tnd3YjFmQUg5WVYxTHdab0MxLUQwVFhHdVNfLVlLUVNkRGgwOEhZQ0dMYlRMMkZOZU5OeW5zbVNhdDJlMzRVSDlNTG1hMlhxM3M4ZlJITjh2NjRBMDJQUQ?oc=5) · Nevada Business Magazine
- 2024-11-19 [HENDERSON SILVER KNIGHTS ANNOUNCE FOUNDING PARTNERSHIP WITH LEXICON BANK - Henderson Silver Knights](https://news.google.com/rss/articles/CBMisgFBVV95cUxNNG9iS3I4a20xMDZ4ODNHdERISE9aUzJ2bUZvQVk4NTI4ZW5NdGRVZXQ4YXpfY0tfRG9DTGw1dGdoaHZMMFFnWk5HbmN0Wk1rVUFidzUzV25uQXhqOEN2cUdGSHRINUZ4ZFFUN3RRTEdBZS1JUWhZdllwN1hBbDg0UXo1T1QxX084RE55YnRiQzNmNGRqTmI2MWJYVEhodEd4MnoxQ0hlSEg0ZHJrNS1pNXZR?oc=5) · Henderson Silver Knights
- 2021-10-07 [Startup Bank Goes All-In Gambling on a Niche Market - The Financial Brand](https://news.google.com/rss/articles/CBMizwFBVV95cUxPYTFqUnkzMFhiRFI3Y2F0TGFmcU5FMmdQMGlyX1FKYXMzX3hQeUYxQnlCbmRPUDNlVXNGNUJnTzJLVjRNT0swZmM1dDB0TmNjc1RYLUxXOGJyd3YtWnRPX092TEZuVmFtWnk4bE41c0RIeUdPTlVaUVg5Y3JTY2ozcVFiaTNWLUh6a09RS2JaQmtSTGsxVVh1UHF2MDFFTEp5VUYwLVFzWDZwak1vZVd2RnlIc1FBLWUxcWFFSG9wN05XeU1WZ1Z6TU9CX25wMTQ?oc=5) · The Financial Brand
- 2019-08-12 [Lexicon Bank opens in Las Vegas - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMihgFBVV95cUxPekpfWEk5WVExdl9xMVJqd1AtVVJtSVBVVHBTNUN5a0dTV1ZTckZRWmsxVHRqSE1EUEg0YlR2aEZpb2xkSlFvY2w2SWVCSnNGbkFBRkhmT05jN21xZXp2cWRRRGdraTlpVDQyZGFma3h0LTFBYVBna0NKc0I2RkhBNXZmWDhXUQ?oc=5) · Las Vegas Review-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59117 (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 "59117", 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