LAWRENCE BANK
LAWRENCE BANK is an FDIC-insured commercial bank headquartered in NASHVILLE, TN, established in 1977. As of , the bank reported total assets of $1.6B and total deposits of $1.4B. Profitability stands at 0.83% ROA and 6.76% ROE, with a net interest margin of 3.96%. CET1 capital ratio: 12.36%, well above regulatory minimums. NPL ratio: 0.82% · Texas Ratio: 5.58%. Operates 17 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Lawrence Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 |
|---|---|---|---|---|---|
| 2025-12-31 | 12.36% | 0.83% | 0.82% | 5.58% | 3.96% |
| 2025-09-30 | 11.98% | 0.46% | 0.41% | 2.26% | 3.96% |
| 2025-06-30 | 11.68% | 0.68% | 0.46% | 2.71% | 3.88% |
| 2025-03-31 | 12.02% | 0.60% | 0.54% | 2.91% | 3.78% |
| 2024-12-31 | 12.00% | 0.65% | 0.24% | 1.92% | 3.74% |
| 2024-09-30 | 12.02% | 0.59% | 0.11% | 1.33% | 3.66% |
| 2024-06-30 | 11.49% | 0.54% | 0.00% | 1.05% | 3.90% |
| 2024-03-31 | 11.23% | 0.62% | 0.79% | 3.95% | 3.76% |
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Frequently asked about LAWRENCE BANK
What are Lawrence Bank's total assets?
As of the Q4 2025 filing, Lawrence Bank reported total assets of $1.61 billion in its most recent 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 required of all FDIC-insured commercial banks.
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 12.36% in its most recent quarterly filing — above regulatory minimums.
How many branches does Lawrence Bank operate?
Lawrence Bank operates 17 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Lawrence Bank's Texas Ratio?
Lawrence Bank's Texas Ratio is 5.58% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.