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Lamar Bank And Trust Company
Lamar, MO · FDIC Certificate #1964 · Chartered 03/2
Total assets
$269.04M
Total deposits
$235.09M
Total equity
$22.28M
Net loans
$203.08M
Branches (offices)
2
Net income (YTD)
$2.38M
Rank: #2,618 of 4,213 U.S. banks by assets · #105 of 190 in Missouri. Assets changed 3.8% and deposits 4.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.80% |
| Return on equity | 21.56% |
| Net interest margin (YTD) | 4.47% |
| Equity to assets | 8.28% |
| Tier 1 leverage ratio | 10.20% |
| Uninsured deposits (share of deposits) | 18.7% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 86.4% |
| Real estate loans (share of loans) | 82.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $167.25M | 82.4% | |
| Commercial & industrial | $21.54M | 10.6% | |
| Consumer / individual | $5.76M | 2.8% | |
| Construction & development | $22.65M | 11.2% | |
| Agricultural | $10.60M | 5.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $231.66M | $211.86M | $1.89M | $17.74M |
| Jun 2023 | $240.32M | $199.69M | $2.19M | $17.19M |
| Jun 2024 | $245.72M | $216.65M | $2.09M | $18.20M |
| Jun 2025 | $259.08M | $224.09M | $2.52M | $20.93M |
| Jun 2026 | $269.04M | $235.09M | $2.38M | $22.28M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $235.09M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $235.09M.
Similar-sized banks
Arlo Bank ($269.10M) · Patriots Bank ($268.82M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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