The Lauderdale County Bank: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.47 percentage points higher than in Q1 2026, at 51.57%. The Lauderdale County Bank ranks 72nd of 109 Tennessee banks on return on assets, in the lower half at 0.94% (Q2 2026). The Lauderdale County Bank reported 0.94% on return on assets for Q2 2026, 0.04 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.54% |
| Equity capital to assets | 9.58% |
| Tangible equity to tangible assets | 9.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.16% |
| Non-performing assets ratio | 0.53% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 9.57% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 116.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.94% |
| Return on equity | 10.28% |
| Net interest margin | 3.95% |
| Efficiency ratio | 71.03% |
| Yield on earning assets | 5.35% |
| Cost of funds | 1.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 51.57% |
| Core deposits to total deposits | 80.80% |
| Brokered deposits to total deposits | 3.42% |
| Deposits to assets | 88.67% |
| Securities to assets | 32.51% |
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 | 11.37% | 1.00% | 3.80% | 0.61% | -0.03% |
| Q4 2023 | 11.21% | 0.69% | 3.80% | 0.73% | 0.05% |
| Q1 2024 | 11.37% | 0.89% | 3.83% | 1.36% | -0.03% |
| Q2 2024 | 11.99% | 1.04% | 3.84% | 1.38% | -0.03% |
| Q3 2024 | 11.83% | 0.76% | 3.84% | 1.12% | 0.06% |
| Q4 2024 | 11.76% | 0.49% | 3.74% | 1.11% | -0.02% |
| Q1 2025 | 11.88% | 0.69% | 3.80% | 1.30% | 0.22% |
| Q2 2025 | 12.03% | 0.79% | 4.03% | 1.20% | 0.03% |
| Q3 2025 | 12.38% | 0.76% | 4.15% | 1.22% | 0.00% |
| Q4 2025 | 12.31% | 1.06% | 4.11% | 1.69% | 0.07% |
| Q1 2026 | 11.36% | 0.82% | 3.77% | 1.20% | 0.00% |
| Q2 2026 | 11.54% | 0.94% | 3.95% | 1.16% | -0.01% |
The Lauderdale County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Lauderdale County Bank, 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 The Lauderdale County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22835) · FFIEC NIC profile (RSSD 82350)