Bank of Lincoln County: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Lincoln County of Fayetteville, TN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.08% | 1.34% | +0.74% | 87th top |
| ROAE | 16.58% | 13.31% | +3.27% | 74th above |
| Net Interest Margin | 5.30% | 3.93% | +1.37% | 96th top |
| Efficiency Ratio | 48.27% | 61.14% | -12.87% | 84th top |
| PPNR / Avg Assets | 2.85% | 1.68% | +1.17% | 94th top |
| Yield on Earning Assets | 6.94% | 5.67% | +1.27% | 94th top |
| Cost of Funds | 1.69% | 1.88% | -0.19% | 57th above |
| Net Interest Spread | 4.37% | 3.32% | +1.05% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 31st below |
| ACL / Total Loans | 0.90% | 1.28% | -0.38% | 17th bottom |
| Texas Ratio | 0.06% | 7.33% | -7.27% | 88th top |
| Provision / NCO | 121.21% | 1395.92% | -1274.71% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.23% | 12.14% | +0.09% | 67th above |
| Equity / Assets | 12.88% | 11.37% | +1.51% | 78th top |
| TCE / Tangible Assets | 12.88% | 11.09% | +1.79% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.38% | 80.64% | +6.74% | 34th below |
| Core Deposit Ratio | 82.53% | 86.86% | -4.33% | 22nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.95% | 6.85% | -2.90% | 46th below |
| Loan Growth (Y/Y) | 0.39% | 7.90% | -7.51% | 24th bottom |
| Deposit Growth (Y/Y) | 2.73% | 6.29% | -3.56% | 41st below |
See Bank of Lincoln County's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Lincoln County, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Lincoln County profile, how to read a UBPR, or how this data updates.