Lawrence Bank
Nashville, TN · Cert 22451 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · 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 76% of banks $1B-$10B in assets operating in a single state (rank 64 of 267).
- Widest gap: return on equity trails 84% of banks $1B-$10B in assets operating in a single state (rank 224 of 267).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.89%
Rank 204 of 267
Net Interest Margin
3.63%
Rank 105 of 267
Efficiency Ratio
70.96%
Rank 207 of 266
Equity / Assets
11.65%
Rank 76 of 267
Non-interest income vs. expense
Unfavorable gap of $73.7M · efficiency ratio beats 23% 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% | 1.55% | Beats 24% | 204 / 267 | | |
| Return on Equity | 7.66% | 9.16% | 11.84% | 14.56% | Beats 16% | 224 / 267 | | |
| Net Interest Margin | 3.63% | 3.12% | 3.50% | 3.88% | Beats 61% | 105 / 267 | | |
| Efficiency Ratio | 70.96% | 51.36% | 60.21% | 69.66% | Beats 23% | 207 / 266 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.17% | 0.19% | 0.46% | 0.89% | Beats 76% | 64 / 267 | | |
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.02% | 0.06% | Beats 24% | 205 / 267 | | |
| Capital |
| Tier 1 Capital Ratio | 12.86% | 11.29% | 13.05% | 15.13% | Beats 47% | 141 / 267 | | |
| Total Risk-Based Capital Ratio | 13.77% | 11.95% | 13.87% | 16.27% | Beats 48% | 140 / 267 | | |
| Equity / Assets | 11.65% | 9.18% | 10.29% | 11.76% | Beats 72% | 76 / 267 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.38% | 72.68% | 86.16% | 95.22% | 51st pctl | 130 / 267 | | |
| Loans / Assets | 74.38% | 62.46% | 71.96% | 78.38% | 57th pctl | 114 / 267 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |