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
Unfavorable gap of $2.2M · efficiency ratio beats 42% of banks under $1B 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 | 0.73% | 0.72% | 1.06% | 1.45% | Beats 26% | 552 / 746 | | |
| Return on Equity | 3.84% | 6.74% | 10.51% | 13.63% | Beats 14% | 644 / 746 | | |
| Net Interest Margin | 3.41% | 3.17% | 3.68% | 4.16% | Beats 36% | 481 / 746 | | |
| Efficiency Ratio | 68.15% | 55.74% | 64.58% | 75.47% | Beats 42% | 436 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.09% | 0.42% | 1.07% | Beats 51% | 364 / 743 | | |
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.01% | 0.05% | Beats 20% | 593 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 18.43% | 11.55% | 13.75% | 17.60% | Beats 79% | 159 / 746 | | |
| Total Risk-Based Capital Ratio | 18.43% | 11.71% | 14.33% | 18.43% | Beats 75% | 187 / 746 | | |
| Equity / Assets | 19.10% | 8.90% | 10.51% | 13.06% | Beats 94% | 43 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 106.90% | 61.31% | 78.27% | 90.78% | 95th pctl | 35 / 746 | | |
| Loans / Assets | 83.97% | 53.60% | 66.97% | 76.08% | 93rd pctl | 51 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |