Lawrence Bank
Nashville, TN · Cert 22451 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Lawrence Bancshares Inc.
State charter, non-member · FDIC · 30 branches
Q2 2026
$3.0BAssets
$2.3BLoans
$2.6BDeposits
$354.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 77% of banks $1B-$10B in assets operating in a single state (rank 61 of 258).
- Widest gap: return on equity trails 84% of banks $1B-$10B in assets operating in a single state (rank 217 of 258).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.89%
Rank 198 of 258
Net Interest Margin
3.63%
Rank 101 of 258
Efficiency Ratio
70.96%
Rank 201 of 257
Equity / Assets
11.65%
Rank 71 of 258
Non-interest income vs. expense
Unfavorable gap of $73.7M · efficiency ratio beats 22% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.89% | 0.93% | 1.23% | 1.54% | Beats 23% | 198 / 258 | | |
| Return on Equity | 7.66% | 9.26% | 11.84% | 14.74% | Beats 16% | 217 / 258 | | |
| Net Interest Margin | 3.63% | 3.16% | 3.49% | 3.88% | Beats 61% | 101 / 258 | | |
| Efficiency Ratio | 70.96% | 51.71% | 60.30% | 69.65% | Beats 22% | 201 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.17% | 0.19% | 0.46% | 0.90% | Beats 77% | 61 / 258 | | |
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.02% | 0.07% | Beats 25% | 195 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 12.86% | 11.41% | 12.98% | 15.12% | Beats 48% | 135 / 258 | | |
| Total Risk-Based Capital Ratio | 13.77% | 12.10% | 13.91% | 16.08% | Beats 47% | 136 / 258 | | |
| Equity / Assets | 11.65% | 9.09% | 10.24% | 11.72% | Beats 72% | 71 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.38% | 73.24% | 86.34% | 95.95% | 50th pctl | 128 / 258 | | |
| Loans / Assets | 74.38% | 63.01% | 72.27% | 78.40% | 57th pctl | 111 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |