BANK OF LINCOLN COUNTY

FAYETTEVILLE, TN | Small | Est. July 22, 2002, midnight | FDIC #57396 | RSSD #3128923 | FDIC
Latest Report: 2025-12-31

BANK OF LINCOLN COUNTY is asn small FDIC-insured commercial bank headquartered in FAYETTEVILLE, TN, established in July 22, 2002, midnight. As of 2025-12-31, the bank reported total assets of $220M and total deposits of $191M. Profitability stands at 1.97% ROA and 16.14% ROE, with a net interest margin of 5.33%. The bank's CET1 capital ratio is 12.45%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #57396.

Assets

$220M

Deposits

$191M

Loans

$165M

Equity

$27M

Profitability

Return on Assets (ROA) 1.97%
Return on Equity (ROE) 16.14%
Net Interest Margin (NIM) 5.33%
Yield on Assets 7.07%
Cost of Funds 1.85%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.95%

Capital & Liquidity

CET1 Ratio 12.45%
Tier 1 Capital 12.45%
Total Capital Ratio 13.07%
Leverage Ratio 12.98%
Loan-to-Deposit 86.19%

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