Bank of Lincoln County: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits climbed 14.90 percentage points in Q2 2026, from 21.92% to 36.82%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Bank of Lincoln County is 84th of 109 on total deposits, $198.3M as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is $277.3M on total deposits. Bank of Lincoln County sits 29% lower, at $198.3M (Q2 2026).
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $198.3M |
| Domestic office deposits | $198.3M |
| Foreign office deposits | — |
| Deposits to total assets | 86.18% |
| Deposits to total liabilities | 98.92% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $44.2M |
| Savings deposits | $21.1M |
| Transaction accounts to domestic deposits | 36.82% |
| Time deposits | $44K |
| Time deposits under $100k | $20.2M |
| Time deposits $100k to $250k | $32.9M |
| Time deposits over $250k | $34.6M |
| Noninterest-bearing share of deposits | 36.82% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $163.6M |
| Core deposits to total deposits | 82.53% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $5.0M |
| Brokered deposits to total deposits | 2.52% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.57% |
| Interest expense on deposits | $907K |
| Loans and leases to core deposits | 105.89% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $173.3M | 86.80% | 2.31% | 2.19% |
| Q4 2023 | $189.7M | 87.09% | 2.11% | 2.46% |
| Q1 2024 | $182.6M | 86.64% | 1.10% | 2.71% |
| Q2 2024 | $183.7M | 84.73% | 1.09% | 4.34% |
| Q3 2024 | $186.7M | 83.30% | 1.07% | 4.58% |
| Q4 2024 | $190.9M | 83.91% | 0.00% | 3.52% |
| Q1 2025 | $192.5M | 83.66% | 0.00% | 3.24% |
| Q2 2025 | $193.0M | 79.70% | 0.00% | 3.24% |
| Q3 2025 | $193.6M | 80.56% | 0.00% | 3.08% |
| Q4 2025 | $191.0M | 83.05% | 2.62% | 2.60% |
| Q1 2026 | $201.5M | 83.29% | 2.48% | 2.34% |
| Q2 2026 | $198.3M | 82.53% | 2.52% | 2.57% |
Bank of Lincoln County deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Lincoln County, freeSource: Call Report Schedules RC-E and RC-O, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Lincoln County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57396) · FFIEC NIC profile (RSSD 3128923)