FDIC Cert #12259 · Hobbs, New Mexico · Est. 1928

Lea County State Bank - FDIC Bank Health Profile

A community-scale look at Lea County State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$708M
Total assets
A
Health grade · Excellent
1.63%
Return on assets
20.8%
Tier 1 capital

Data updated July 2026

The verdict

Lea County State Bank earns a PlainBankData health grade of A (87/100), with well-capitalized at 20.77% Tier 1, profitable at 1.63% ROA, efficient (53% cost ratio).

#1,374
largest of 4,313 FDIC banks by assets
68th
percentile by asset size, nationally
20.77%
Tier 1 ratio - above the 10% well-capitalized line
79th
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.

FDIC Call Report plate

Cert 12259 · NM A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1229/4307
  • PHOTO-FINISH Hancock Whitney Bank · MS
  • TIER1-WELL 20.8% Tier 1
  • TEXAS-HEALTHY 15.6% Texas
  • ROA-STRONG 1.63% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Mexico: Hancock Whitney Bank, MS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Lea County State Bank

Lowest and highest poles plus nearest scored peers outside New Mexico, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Hancock Whitney Bank · MS · …87/100Lea County State Bank · NM ·…87/100Partners Bank of Wis… · WI ·…87/100The Fidelity Deposit… · PA ·…87/100The Killbuck Savings… · OH ·…87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Lea County State Bank · July 2026

What Lea County State Bank's Call Report plate shows

Lea County State Bank (FDIC Cert #12259) carries a PlainBankData health grade of A at 87/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,229 of 4,307. Tier 1 capital prints at 20.77%, clearing the 10% well-capitalized line. The Texas Ratio is 15.58%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.63%. Balance-sheet scale is $708M, 1,374th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Hancock Whitney Bank (MS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Lea County State Bank

3 FAILURE resolutions in New Mexico since 2000 (3 since 2008)

Lea County State Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Lea County State Bank remains an active FDIC-insured reporter.

  • FIRST COMMUNITY BANK TAOS, NM 2011 → U.S. BANK, NATIONAL ASSOCIATION
  • HIGH DESERT STATE BANK ALBUQUERQUE, NM 2010 → FIRST AMERICAN BANK
  • CHARTER BANK SANTA FE, NM 2010 → CHARTER BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Mexico banks.

How Lea County State Bank's 87/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10087/100
Lea County State Bank's composite health score
Tier 1 Capital Ratio (20.77%) 40/40
Return on Assets (ROA) (1.63%) 25/25
Texas Ratio (15.58%) 10/20
Efficiency Ratio (53.13%) 12/15

87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$708M

Total balance-sheet footings

Total Deposits

$638M

Customer-funded liabilities

Net Loans

$223M

Outstanding loan book

Net Income

$12M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 19.37% 20.77% 22.17%
Basel III capital ratios - Lea County State Bank

Where Lea County State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Lea County State Bank's score of 87/100 falls in the highlighted band.

Lea County State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 29% higher than 71% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Lea County State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Lea County State Bank'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). Lea County State Bank's $708M falls in the highlighted band.

Safety ratios for Lea County State Bank

Tier 1 capital ratio
Well-capitalized 10%

20.77% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
20.77%
Texas Ratio
15.58%
Equity Capital
$55M

What these ratios mean →

Earnings posture at Lea County State Bank

Return on Assets (ROA)
79th percentile nationally
1.63%
Return on Equity (ROE)
25.10%
Efficiency Ratio
53.13%

What these mean →

Income & expense at Lea County State Bank

$35M
Interest Income
$4M
Non-Interest Income
$16M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Lea County State Bank reports a Texas Ratio of 15.58% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

15.58% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Lea County State Bank on FDIC BankFind →

Top banks in New Mexico by total assets

Largest banks headquartered in New Mexico
  1. 1
    First American Bank $1.8B

    Artesia, NM · Grade A

  2. 2
    InBank $1.4B

    Raton, NM · Grade B

  3. 3
    Century Bank $1.3B

    Santa Fe, NM · Grade B

  4. 4
    Citizens Bank of Las Cruces $1.1B

    Las Cruces, NM · Grade A

  5. 5
    Pioneer Bank $1.1B

    Roswell, NM · Grade A

Top 5 banks in New Mexico ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($708M here), outside New Mexico so the neighborhood is not state containment.

Peoples Community Bank $707M · MO First State Bank of Livingston $707M · TX Baker-Boyer National Bank $710M · WA Premier Bank Minnesota $710M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Lea County State Bank (FDIC Cert #12259) - 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.

Lea County State Bank Call Report profile · FDIC Failed Bank List · New Mexico FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Mexico

All New Mexico banks →
BankAssetsGradeROA
First American BankArtesia $1.8B A 2.74%
InBankRaton $1.4B B 0.55%
Century BankSanta Fe $1.3B B 0.62%
Citizens Bank of Las CrucesLas Cruces $1.1B A 2.25%
Pioneer BankRoswell $1.1B A 2.19%
CNB BankCarlsbad $989M B 2.16%
Western Commerce BankCarlsbad $867M A 3.17%
The Citizens BankFarmington $774M A 2.07%