Lineage Bank
Franklin, TN · Cert 6100 · Peer group: banks under $1B in assets (n=581-629) · Recap Financial Ventures LLC
State charter, non-member · FDIC · 2 branches
Q2 2026
$197.7MAssets
$124.8MLoans
$170.6MDeposits
$25.1MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 79% of banks under $1B in assets (rank 134 of 629).
- Widest gap: efficiency ratio trails 99% of banks under $1B in assets (rank 624 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
-4.72%
Rank 619 of 629
Net Interest Margin
2.19%
Rank 592 of 629
Efficiency Ratio
260%
Rank 624 of 629
Equity / Assets
12.71%
Rank 198 of 629
Non-interest income vs. expense
Unfavorable gap of $11.4M · efficiency ratio beats 1% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -4.72% | 0.60% | 1.01% | 1.45% | Beats 2% | 619 / 629 | | |
| Return on Equity | -37.09% | 5.38% | 9.30% | 13.28% | Beats 1% | 624 / 629 | | |
| Net Interest Margin | 2.19% | 3.03% | 3.54% | 4.05% | Beats 6% | 592 / 629 | | |
| Efficiency Ratio | 260% | 58.35% | 67.79% | 79.08% | Beats 1% | 624 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.18% | 0.09% | 0.46% | 1.20% | Beats 25% | 434 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 66% | 199 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 19.91% | 11.24% | 13.84% | 18.77% | Beats 77% | 142 / 629 | | |
| Total Risk-Based Capital Ratio | 21.17% | 11.58% | 14.43% | 19.66% | Beats 79% | 134 / 629 | | |
| Equity / Assets | 12.71% | 9.09% | 10.65% | 13.80% | Beats 69% | 198 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.16% | 67.24% | 80.90% | 93.48% | 35th pctl | 387 / 594 | | |
| Loans / Assets | 63.11% | 53.31% | 67.71% | 78.15% | 41st pctl | 370 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |