Bank of Lincoln County
Fayetteville, TN · Cert 57396 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Bolc Corp.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (7 in holding)
Q2 2026
$230.1MAssets
$173.3MLoans
$198.3MDeposits
$29.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 95% of banks under $1B in assets operating in a single state (rank 35 of 746).
- Widest gap: total risk-based capital ratio trails 70% of banks under $1B in assets operating in a single state (rank 521 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.92%
Rank 56 of 746
Net Interest Margin
4.94%
Rank 35 of 746
Efficiency Ratio
51.01%
Rank 120 of 746
Equity / Assets
12.88%
Rank 197 of 746
Non-interest income vs. expense
Unfavorable gap of $5.3M · efficiency ratio beats 84% 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 | 1.92% | 0.72% | 1.06% | 1.45% | Beats 92% | 56 / 746 | | |
| Return on Equity | 14.91% | 6.74% | 10.51% | 13.63% | Beats 82% | 131 / 746 | | |
| Net Interest Margin | 4.94% | 3.17% | 3.68% | 4.16% | Beats 95% | 35 / 746 | | |
| Efficiency Ratio | 51.01% | 55.74% | 64.58% | 75.47% | Beats 84% | 120 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.09% | 0.42% | 1.07% | Beats 83% | 128 / 743 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 38% | 458 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 12.23% | 11.55% | 13.75% | 17.60% | Beats 34% | 493 / 746 | | |
| Total Risk-Based Capital Ratio | 12.23% | 11.71% | 14.33% | 18.43% | Beats 30% | 521 / 746 | | |
| Equity / Assets | 12.88% | 8.90% | 10.51% | 13.06% | Beats 74% | 197 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.38% | 61.31% | 78.27% | 90.78% | 69th pctl | 231 / 746 | | |
| Loans / Assets | 75.31% | 53.60% | 66.97% | 76.08% | 72nd pctl | 207 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |