Total Assets
$260M
Total balance-sheet footings
FDIC Cert #1964 · Lamar, Missouri · Est. 1925
Lamar Bank and Trust Company - FDIC Bank Health Profile
A community-scale look at Lamar Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $260M
- Total assets
- A
- Health grade · Excellent
- 1.92%
- Return on assets
- 10.3%
- Tier 1 capital
Data updated July 2026
The verdict
Lamar Bank and Trust Company earns a PlainBankData health grade of A (85/100), with well-capitalized at 10.30% Tier 1, profitable at 1.92% ROA, efficient (58% cost ratio).
- #2,692
- largest of 4,313 FDIC banks by assets
- 38th
- percentile by asset size, nationally
- 10.30%
- Tier 1 ratio - above the 10% well-capitalized line
- 89th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Lamar Bank and Trust Company's 85/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Lamar Bank and Trust Company's composite health score
Tier 1 Capital Ratio (10.30%) 28/40
Return on Assets (ROA) (1.92%) 25/25
Texas Ratio (0.52%) 20/20
Efficiency Ratio (57.55%) 12/15
85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$220M
Customer-funded liabilities
Net Loans
$196M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Lamar Bank and Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Lamar Bank and Trust Company's score of 85/100 falls in the highlighted band.
Lamar Bank and Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Lamar Bank and Trust Company's $260M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.30% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.30%
Texas Ratio
0.52%
Equity Capital
$22M
Profitability metrics
Return on Assets (ROA)
89th percentile nationally
1.92%
Return on Equity (ROE)
24.04%
Efficiency Ratio
57.55%
What the numbers say about Lamar Bank and Trust Company
Lamar Bank and Trust Company is an FDIC-insured institution (Certificate #1964) headquartered in Lamar, Missouri, established in 1925. It holds $260M in total assets - 2,692nd of 4,313 FDIC-insured banks, $220M in customer deposits, and $196M in net loans. Its capital position: a Tier 1 ratio of 10.30%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.52% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (85 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Lamar Bank and Trust Company sits 110th of 198 banks headquartered in Missouri by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$15M
Interest Income
$2M
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Lamar Bank and Trust Company reports a Texas Ratio of 0.52% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.52% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Lamar Bank and Trust Company (FDIC Cert #1964) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is Lamar Bank and Trust Company's health grade?▼
Lamar Bank and Trust Company receives a health grade of A (85/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Lamar Bank and Trust Company?▼
Lamar Bank and Trust Company holds $260M in total assets and $220M in deposits, ranking 2,692nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Lamar, Missouri.
Is my money safe at Lamar Bank and Trust Company?▼
Yes, deposits at Lamar Bank and Trust Company (Certificate #1964) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Lamar Bank and Trust Company's Tier 1 Capital Ratio?▼
Lamar Bank and Trust Company has a Tier 1 Capital Ratio of 10.30%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Lamar Bank and Trust Company?▼
Lamar Bank and Trust Company has a Texas Ratio of 0.52%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Lamar Bank and Trust Company?▼
Lamar Bank and Trust Company has an Efficiency Ratio of 57.55%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Lamar Bank and Trust Company's profile as a depositor or analyst.
- Lamar Bank and Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Lamar Bank and Trust Company against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.