Bank of Lincoln County: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Core deposits to total deposits dropped 0.76 percentage points in Q2 2026, from 83.29% to 82.53%. It was the largest change from Q1 2026 among the key lines here. Among 109 Tennessee banks, Bank of Lincoln County sits 6th from the top on return on assets, 2.08% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Bank of Lincoln County reported 2.08% on return on assets in Q2 2026, 0.83 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.23% |
| Equity capital to assets | 12.88% |
| Tangible equity to tangible assets | 12.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 0.06% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.08% |
| Return on equity | 16.58% |
| Net interest margin | 5.30% |
| Efficiency ratio | 48.27% |
| Yield on earning assets | 6.94% |
| Cost of funds | 1.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.38% |
| Core deposits to total deposits | 82.53% |
| Brokered deposits to total deposits | 2.52% |
| Deposits to assets | 86.18% |
| Securities to assets | 10.27% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.02% | 1.58% | 4.90% | 0.00% | -0.01% |
| Q4 2023 | 13.33% | 1.78% | 4.75% | 0.00% | -0.02% |
| Q1 2024 | 12.16% | 1.59% | 4.77% | 0.00% | -0.02% |
| Q2 2024 | 12.34% | 1.61% | 4.77% | 0.00% | 0.01% |
| Q3 2024 | 12.42% | 1.63% | 4.74% | 0.00% | -0.01% |
| Q4 2024 | 12.43% | 1.92% | 4.84% | 0.00% | -0.01% |
| Q1 2025 | 12.29% | 1.60% | 4.76% | 0.00% | -0.02% |
| Q2 2025 | 12.58% | 1.73% | 4.88% | 0.09% | -0.02% |
| Q3 2025 | 12.64% | 1.81% | 4.99% | 0.00% | 0.16% |
| Q4 2025 | 12.98% | 1.97% | 5.21% | 0.00% | -0.01% |
| Q1 2026 | 13.24% | 1.79% | 5.20% | 0.00% | 0.05% |
| Q2 2026 | 12.23% | 2.08% | 5.30% | 0.00% | 0.03% |
Bank of Lincoln County vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Lincoln County, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)