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Lawrenceburg Federal Bank

Lawrenceburg, TN · Cert 29186

SI · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

83

Q2 2024Q2 2026peer median (50)

Asset Quality

36

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

42

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lawrenceburg Federal Bank

Lawrenceburg, TN · Cert 29186

SI · FDIC · 1 branch

Q2 2026

$95.2MAssets
$80.0MLoans
$74.8MDeposits
$18.2MEquity
Loan mix
97%RE $77.9M0%C&I $0.0M3%Consumer $2.2MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $74.5M0%Noninterest $0.3MQ2 2025Q2 2026

NIM

5.12%Q2 ’245.64%Q2 ’255.66%Q2 ’26+9%+9%

Non-interest income vs. expense

2.66%Q2 ’242.60%Q2 ’252.45%Q2 ’26-7%-4%

Executive Summary

  • Earnings: ROA of 0.73%, up 20 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.41% of loans (-53 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 18.43%, down 105 bps from a year ago.
  • Funding: loans stand at 106.90% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.73%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+28 bps YoY

Efficiency Ratio (YTD, annualized)

68.15%-894 bps YoY

Tier 1 Leverage Ratio

18.43%-105 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.52%0.58%0.73%0.73%+20 bps
Return on Equity2.64%2.65%2.97%3.90%3.89%+125 bps
Net Interest Margin3.14%3.11%3.15%3.56%3.41%+28 bps
Efficiency Ratio77.10%76.56%73.94%66.22%68.15%-894 bps
Non-Interest Burden2.36%2.33%2.26%2.30%2.27%-9 bps
Growth
Asset Growth (YoY)6.87%9.19%8.56%12.64%8.41%+154 bps
Loan Growth (YoY)5.97%9.06%8.74%5.78%4.86%-111 bps
Deposit Growth (YoY)8.13%11.02%9.83%14.85%9.42%+129 bps
Asset Quality
Nonperforming Loans / Loans0.94%0.31%0.26%1.15%0.41%-53 bps
Net Charge-Offs / Loans0.08%0.07%0.05%0.06%0.09%+1 bps
Allowance / Loans0.20%0.17%0.20%0.25%0.24%+4 bps
Allowance Coverage of NPLs0.2x0.6x0.8x0.2x0.6x+0.4x
Capital
Tier 1 Leverage Ratio19.47%19.17%18.82%18.62%18.43%-105 bps
Total Risk-Based Capital19.47%19.17%18.82%18.62%18.43%-105 bps
Equity / Assets19.89%19.30%18.85%18.40%19.10%-79 bps
Liquidity & Funding
Loans / Deposits111.55%111.66%108.15%103.77%106.90%-466 bps
Liquid Assets / Assets9.12%7.87%10.62%13.78%11.88%+276 bps
CRE / Total Capitaln/a29.70%27.77%27.67%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Lawrenceburg Federal Bank

Lawrenceburg, TN · Cert 29186 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SI · FDIC · 1 branch

Q2 2026

$95.2MAssets
$80.0MLoans
$74.8MDeposits
$18.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 94% of banks under $1B in assets operating in a single state (rank 43 of 746).
  • Widest gap: return on equity trails 86% of banks under $1B in assets operating in a single state (rank 644 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.73%

Rank 552 of 746

Net Interest Margin

3.41%

Rank 481 of 746

Efficiency Ratio

68.15%

Rank 436 of 746

Equity / Assets

19.10%

Rank 43 of 746

Non-interest income vs. expense

$0.2M$2.4MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 42% of banks under $1B in assets operating in a single state
Bank 68.15%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.73%0.72%1.06%1.45%Beats 26%552 / 746
Return on Equity3.84%6.74%10.51%13.63%Beats 14%644 / 746
Net Interest Margin3.41%3.17%3.68%4.16%Beats 36%481 / 746
Efficiency Ratio68.15%55.74%64.58%75.47%Beats 42%436 / 746
Asset Quality
Nonperforming Loans / Loans0.41%0.09%0.42%1.07%Beats 51%364 / 743
Net Charge-Offs / Loans0.07%0.00%0.01%0.05%Beats 20%593 / 743
Capital
Tier 1 Capital Ratio18.43%11.55%13.75%17.60%Beats 79%159 / 746
Total Risk-Based Capital Ratio18.43%11.71%14.33%18.43%Beats 75%187 / 746
Equity / Assets19.10%8.90%10.51%13.06%Beats 94%43 / 746
Liquidity & Funding
Loans / Deposits106.90%61.31%78.27%90.78%95th pctl35 / 746
Loans / Assets83.97%53.60%66.97%76.08%93rd pctl51 / 746
Brokered Deposits / Depositsn/aNot reported for this institution