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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 $2.2MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $74.5M0%Noninterest $0.3MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.22%0.21%0.34%0.53%0.52%0.58%0.73%0.73%+20 bps
Return on Equity1.04%1.00%1.71%2.64%2.65%2.97%3.90%3.89%+125 bps
Net Interest Margin2.88%2.75%2.94%3.14%3.11%3.15%3.56%3.41%+28 bps
Efficiency Ratio88.71%89.60%81.38%77.10%76.56%73.94%66.22%68.15%-894 bps
Non-Interest Burden2.54%2.46%2.35%2.36%2.33%2.26%2.30%2.27%-9 bps
Growth
Asset Growth (YoY)8.63%10.86%7.85%6.87%9.19%8.56%12.64%8.41%+154 bps
Loan Growth (YoY)4.91%2.85%5.25%5.97%9.06%8.74%5.78%4.86%-111 bps
Deposit Growth (YoY)11.65%13.18%9.30%8.13%11.02%9.83%14.85%9.42%+129 bps
Asset Quality
Nonperforming Loans / Loans0.82%1.12%1.10%0.94%0.31%0.26%1.15%0.41%-53 bps
Net Charge-Offs / Loans0.00%0.00%0.21%0.08%0.07%0.05%0.06%0.09%+1 bps
Allowance / Loans0.21%0.20%0.18%0.20%0.17%0.20%0.25%0.24%+4 bps
Allowance Coverage of NPLs0.3x0.2x0.2x0.2x0.6x0.8x0.2x0.6x+0.4x
Capital
Tier 1 Leverage Ratio20.38%19.54%19.52%19.47%19.17%18.82%18.62%18.43%-105 bps
Total Risk-Based Capital20.38%19.54%35.84%19.47%19.17%18.82%18.62%18.43%-105 bps
Equity / Assets20.61%19.86%20.01%19.89%19.30%18.85%18.40%19.10%-79 bps
Liquidity & Funding
Loans / Deposits113.67%109.24%112.67%111.55%111.66%108.15%103.77%106.90%-466 bps
Liquid Assets / Assets7.72%10.69%7.98%9.12%7.87%10.62%13.78%11.88%+276 bps
CRE / Total Capitaln/an/an/an/a29.70%27.77%27.67%n/an/a