Bank of Lincoln County
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Data as of · sourced from FFIEC call reports. How we update
Bank of Lincoln County is an FDIC-insured commercial bank headquartered in Fayetteville, TN, established in 2002 (FDIC certificate 57396), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $230.1M, up 3.9% from Q2 2025, the 85th largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.23% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57396
- Headquarters
- Fayetteville, TN
- Established
- 2002
- Total assets, Q2 2026
- $230.1M
- Assets vs Q2 2025
- +3.9%
- Tier 1 leverage ratio, Q2 2026
- 12.23%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 064108786
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Lincoln County call report
- Holding company
- BOLC CORP.
- Asset rank in state
- 85th of 109 in Tennessee
Bank of Lincoln County earns an unusually wide margin on its lending. It reported $230 million in assets at June 30, 2026, up 3.9% from a year earlier. It keeps 5.30 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Net income for the quarter rose 26% from a year earlier, to $1.2 million.
As of June 30, 2026, Bank of Lincoln County reported a return on assets of 2.08%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.06%. The figures come from its call report filed with the FFIEC.
Bank of Lincoln County ranks as the 85th largest of the 109 banks based in Tennessee, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.9% to $230.1M, loans fell 1.3% and deposits fell 1.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 28.7% of total loans, followed by owner-occupied commercial real estate loans at 19.0%. The FDIC Summary of Deposits lists 3 offices for it, in Fayetteville, TN. Judged on its Q2 2026 call report, Bank of Lincoln County meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 307 College St E, Fayetteville, TN 37334
- County
- Lincoln
- Metro Area
- Fayetteville, 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 22, 2002
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 43
- Domestic deposits
- $198.3M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $33K
- Average total assets
- $230.7M
- Average total loans
- $174.6M
- Average interest-bearing deposits
- $155.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 22, 2002
- FDIC Cert
- 57396
- Fed RSSD
- 3128923
- Website
- www.bolconline.com →
- Parent Holding Company
- BOLC CORP. (RSSD 5140312)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Lincoln County reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Lincoln County's total assets ran between $197.0M (Q3 2023) and $232.2M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$230.1M total assets against $221.3M; $200.4M total liabilities against $195.7M.
$171.7M net loans and leases against $170.9M; $198.3M total deposits against $193.0M.
$23.6M securities against $24.2M; $22.7M cash and balances due against $14.0M.
$3.8M total interest income against $3.6M; $907K total interest expense against $1.0M.
$2.9M net interest income against $2.6M.
$276K total noninterest income against $257K; $1.6M total noninterest expense against $1.6M.
$25K provision for credit losses against $0.
$1.2M net income against $951K.
2.08% return on assets against 1.73%; 5.30% net interest margin against 4.88%.
12.23% tier 1 leverage ratio against 12.58%.
Inside the full Bank of Lincoln County terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Lincoln County rankings
Its closest position to the top of a national ranking is 406 of 3,611, for ROA; its furthest is 3,274 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.60% (Q1 2025) to 2.08% (Q2 2026) and its net interest margin ran from 4.74% (Q3 2024) to 5.30% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.23% | 2.08% | 0.01% | 0.06% | 5.30% |
| Q1 2026 | 13.24% | 1.79% | 0.00% | 0.00% | 5.20% |
| Q4 2025 | 12.98% | 1.97% | 0.00% | 0.00% | 5.21% |
| Q3 2025 | 12.64% | 1.81% | 0.00% | 0.00% | 4.99% |
| Q2 2025 | 12.58% | 1.73% | 0.09% | 0.55% | 4.88% |
| Q1 2025 | 12.29% | 1.60% | 0.09% | 0.58% | 4.76% |
| Q4 2024 | 12.43% | 1.92% | 0.00% | 0.00% | 4.84% |
| Q3 2024 | 12.42% | 1.63% | 0.04% | 0.28% | 4.74% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Lincoln County (main office) | Fayetteville , TN | 37334 | $144.5M |
| Fayetteville Branch | Fayetteville , TN | 37334 | $36.6M |
| West College Street Branch | Fayetteville , TN | 37334 | $17.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 113 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Lincoln County
What are Bank of Lincoln County's total assets?
As of the Q2 2026 filing, Bank of Lincoln County reported total assets of $230.1 million in its FFIEC call report.
Where is Bank of Lincoln County headquartered?
It is headquartered in Fayetteville, TN, United States.
When was Bank of Lincoln County founded?
It was established in 2002, per the FDIC institution directory.
Is Bank of Lincoln County FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57396). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Lincoln County?
Bank of Lincoln County's primary federal regulator is the FDIC.
How many branches does Bank of Lincoln County operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Lincoln County's Texas Ratio?
Its Texas Ratio is 0.06% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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