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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

5.24%Q2 ’245.78%Q2 ’255.64%Q2 ’26+14%0%

Non-interest income vs. expense

2.67%Q2 ’242.64%Q2 ’252.48%Q2 ’26-6%-4%

Executive Summary

  • Earnings: ROA of 0.73%, up 2 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.41% of loans (-53 bps YoY), with net charge-offs at 0.12%.
  • 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 (quarter, annualized)

0.73%+2 bps YoY

Net Interest Margin (quarter, annualized)

3.36%-1 bps YoY

Efficiency Ratio (quarter, annualized)

70.15%-318 bps YoY

Tier 1 Leverage Ratio

18.43%-105 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.52%0.75%0.73%0.73%+2 bps
Return on Equity3.57%2.67%3.92%3.90%3.88%+31 bps
Net Interest Margin3.37%3.19%3.52%3.56%3.36%-1 bps
Efficiency Ratio73.33%75.49%67.40%66.22%70.15%-318 bps
Non-Interest Burden2.41%2.37%2.26%2.30%2.30%-11 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 / Loans-0.04%0.06%0.00%0.06%0.12%+16 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