Lawrence Bank: Financial Reports & UBPR Data
BankRegReports is independent of Lawrence Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Lawrence Bank, based in Nashville, Tennessee, reported $3.0 billion in assets at June 30, 2026, against $1.7 billion a year earlier. It grew its loan book 100.5% over the year, 17.0 times the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets. It also spends about 74 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
Earnings jumped: net income for the quarter was $6.8 million, 144% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.17% of loans from 0.45%. Profitability lags: it returns 7.6% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
As of June 30, 2026, Lawrence Bank reported a CET1 capital ratio of 12.86%, a return on assets of 0.88%, a nonperforming-loan ratio of 0.17% and a Texas ratio of 4.13%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 3200 West End Ave, Nashville, TN 37203
- County
- Davidson
- Metro Area
- Nashville-Davidson-Murfreesboro-Franklin, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 15, 1977
- Former names
- Volunteer Bank (2025-2026); Volunteer State Bank (1981-2025)
- Offices
- 31 domestic
- Employees (FTE)
- 334
- Domestic deposits
- $2.62B
- Allowance for credit losses
- $19.4M
- Net charge-offs (YTD)
- $1.4M
- Average total assets
- $3.09B
- Average total loans
- $2.29B
- Average interest-bearing deposits
- $2.23B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 15, 1977
- FDIC Cert
- 22451
- Fed RSSD
- 774132
- Website
- www.volunteer.bank →
- Parent Holding Company
- LAWRENCE BANCSHARES, INC. (RSSD 1080803)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Lawrence Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Lawrence Bank, freeLawrence Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Lawrence Bank
- F&M Bank, effective January 1, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.86% | 0.88% | 0.17% | 4.13% | 3.95% |
| Q1 2026 | 12.89% | 1.19% | 0.17% | 4.33% | 3.84% |
| Q4 2025 | 12.36% | 0.82% | 0.80% | 7.57% | 3.96% |
| Q3 2025 | 11.98% | 0.45% | 0.45% | 3.45% | 3.96% |
| Q2 2025 | 11.68% | 0.69% | 0.45% | 3.74% | 3.88% |
| Q1 2025 | 12.02% | 0.59% | 0.53% | 4.04% | 3.78% |
| Q4 2024 | 12.00% | 0.65% | 0.23% | 2.66% | 3.74% |
| Q3 2024 | 12.02% | 0.48% | 0.11% | 1.89% | 3.58% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 30 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| F&M Branch | Clarksville , TN | 37040 | $297.8M |
| East Main Street Branch | Hendersonville , TN | 37075 | $219.8M |
| Springfield Branch | Springfield , TN | 37172 | $200.3M |
| Portland Branch | Portland , TN | 37148 | $175.2M |
| Hilldale Branch | Clarksville , TN | 37043 | $141.4M |
| White House Branch | White House , TN | 37188 | $133.1M |
| Dover Branch | Dover , TN | 37058 | $132.7M |
| Peabody Branch | Nashville , TN | 37210 | $123.8M |
| Sango Branch Office | Clarksville , TN | 37043 | $118.7M |
| Cool Springs Branch | Franklin , TN | 37067 | $117.6M |
| Franklin Square Branch | Franklin , TN | 37064 | $98.0M |
| Gallatin Branch | Gallatin , TN | 37066 | $82.4M |
| St Bethlehem Branch | Clarksville , TN | 37040 | $78.4M |
| White Bluff Branch | White Bluff , TN | 37187 | $77.1M |
| Glen Echo Branch | Nashville , TN | 37215 | $68.9M |
| New Shackle Island Branch | Hendersonville , TN | 37075 | $67.5M |
| Dover Road Branch | Clarksville , TN | 37042 | $64.5M |
| Greenbrier Office | Greenbrier , TN | 37073 | $63.6M |
| Greensboro Village Branch | Gallatin , TN | 37066 | $60.6M |
| Lawrence Bank (main office) | Nashville , TN | 37203 | $59.8M |
| Mt. Juliet Branch | Mount Juliet , TN | 37122 | $59.4M |
| Goodlettsville Branch | Goodlettsville , TN | 37072 | $58.3M |
| Memorial Branch Murfreesboro | Murfreesboro , TN | 37129 | $55.8M |
| Murfreesboro Branch | Murfreesboro , TN | 37129 | $29.0M |
| Tiny Town Branch | Clarksville , TN | 37042 | $19.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2026 | Structure Change | Acquired F&M Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2024 | Structure Change | Acquired Fourth Capital Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1986 | Structure Change | Acquired Bank of Orlinda Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 29, 1983 | Structure Change | Acquired Bank of Hendersonville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for Lawrence Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.0% of deposits in TN, rank 14 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 444 applications, 366 loans originated, $148.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $413K approved, $413K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Lawrence Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Lawrence Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Lawrence Bank
What are Lawrence Bank's total assets?
As of the Q2 2026 filing, Lawrence Bank reported total assets of $3.04 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Lawrence Bank headquartered?
Lawrence Bank is headquartered in Nashville, TN, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Lawrence Bank founded?
Lawrence Bank was established in 1977, per the FDIC institution directory.
Is Lawrence Bank FDIC-insured?
Yes. Lawrence Bank is an FDIC-insured commercial bank (FDIC Certificate #22451). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lawrence Bank?
Lawrence Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Lawrence Bank's CET1 capital ratio?
Lawrence Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.86% in its Q2 2026 call report, above regulatory requirements.
How many branches does Lawrence Bank operate?
Lawrence Bank operates 31 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lawrence Bank's Texas Ratio?
Lawrence Bank's Texas Ratio is 4.13% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Lawrence Bank previously called?
The charter now named Lawrence Bank has also operated as Volunteer Bank (2025-2026), Volunteer State Bank (1981-2025), per FDIC structure-change records.
Go deeper on Lawrence Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Lawrence Bank, freeFree account