LAWRENCEBURG FEDERAL BANK

LAWRENCEBURG, TN | Micro | Est. Oct. 1, 1934, midnight | FDIC #29186 | RSSD #834175 | FDIC
Latest Report: 2025-12-31

LAWRENCEBURG FEDERAL BANK is amn micro FDIC-insured commercial bank headquartered in LAWRENCEBURG, TN, established in Oct. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $94M and total deposits of $74M. Profitability stands at 0.75% ROA and 3.92% ROE, with a net interest margin of 3.89%. The bank's CET1 capital ratio is 18.85%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 1.21%. FDIC Certificate #29186.

Assets

$94M

Deposits

$74M

Loans

$80M

Equity

$18M

Profitability

Return on Assets (ROA) 0.75%
Return on Equity (ROE) 3.92%
Net Interest Margin (NIM) 3.89%
Yield on Assets 6.47%
Cost of Funds 3.35%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.05%
Texas Ratio 1.21%
NPA Ratio 0.23%
ACL / Loans 0.20%

Capital & Liquidity

CET1 Ratio 18.85%
Tier 1 Capital 18.85%
Total Capital Ratio 19.79%
Leverage Ratio 18.82%
Loan-to-Deposit 108.15%

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