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Lawrence Bank

Nashville, TN · Cert 22451 · Lawrence Bancshares Inc.

State charter, non-member · FDIC · 30 branches

Q2 2026

$3.0BAssets
$2.3BLoans
$2.6BDeposits
$354.5MEquity
Loan mix
91%RE $2.1B8%C&I $0.2B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $2.2B16%Noninterest $0.4BQ2 2025Q2 2026

NIM

5.06%Q2 ’245.30%Q2 ’255.28%Q2 ’26+2%+3%

Non-interest income vs. expense

3.32%Q2 ’243.01%Q2 ’252.97%Q2 ’26-3%-3%

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 1.6% share · #10 of 62 inst. · $1.8B of $107.8B

14.2% Sumner
17.8% Montgomery
17.9% Robertson
0.4% Davidson

Executive Summary

  • Earnings: ROA of 0.75%, up 18 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 0.17% of loans (-28 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 9.78%, up 32 bps from a year ago.
  • Funding: loans stand at 86.38% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.75%+18 bps YoY

Net Interest Margin (quarter, annualized)

3.65%+11 bps YoY

Efficiency Ratio (quarter, annualized)

74.05%-375 bps YoY

Tier 1 Leverage Ratio

9.78%+32 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.38%0.70%1.35%0.75%+18 bps
Return on Equity4.72%3.17%5.72%11.23%6.39%+167 bps
Net Interest Margin3.54%3.63%3.64%3.55%3.65%+11 bps
Efficiency Ratio77.80%84.20%70.77%66.06%74.05%-375 bps
Non-Interest Burden2.63%3.03%2.45%2.18%2.56%-8 bps
Growth
Asset Growth (YoY)56.10%3.57%2.97%93.11%82.41%+2,632 bps
Loan Growth (YoY)58.81%5.96%5.75%109.07%100.53%+4,172 bps
Deposit Growth (YoY)57.22%3.54%2.55%95.56%83.44%+2,623 bps
Asset Quality
Nonperforming Loans / Loans0.45%0.45%0.80%0.17%0.17%-28 bps
Net Charge-Offs / Loans0.02%0.00%0.08%0.11%0.13%+12 bps
Allowance / Loans1.02%1.00%1.03%0.86%0.86%-16 bps
Allowance Coverage of NPLs2.2x2.2x1.3x5.0x4.9x+2.7x
Capital
Tier 1 Leverage Ratio9.46%9.22%9.57%9.75%9.78%+32 bps
Total Risk-Based Capital12.69%13.00%13.42%13.81%13.77%+108 bps
Equity / Assets11.70%12.02%12.61%11.68%11.65%-6 bps
Liquidity & Funding
Loans / Deposits79.02%81.72%85.37%86.57%86.38%+736 bps
Liquid Assets / Assets1.90%0.54%0.82%3.11%4.87%+297 bps
CRE / Total Capitaln/a371%362%323%n/an/a