Lawrence Bank
BankRegReports is independent of Lawrence Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Lawrence Bank is an FDIC-insured commercial bank headquartered in Nashville, TN, established in 1977 (FDIC certificate 22451), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.04B, the 7th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 12.86% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22451
- Headquarters
- Nashville, TN
- Established
- 1977
- Total assets, Q2 2026
- $3.04B
- CET1 ratio, Q2 2026
- 12.86%
- Domestic offices
- 31 FDIC institution directory, current count
- Routing number
- 064102999
- Latest call report
- Q2 2026, FFIEC 051 · Lawrence Bank call report
- Holding company
- LAWRENCE BANCSHARES, INC.
- Asset rank in state
- 7th of 109 in Tennessee
Lawrence Bank, based in Nashville, Tennessee, reported $3.0 billion in assets at June 30, 2026, against $1.7 billion a year earlier. It grew its loan book 100.5% over the year, 17.0 times the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets. It also spends about 74 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
Earnings jumped: net income for the quarter was $6.8 million, 144% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.17% of loans from 0.45%. Profitability lags: it returns 7.6% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
As of June 30, 2026, Lawrence Bank reported a CET1 capital ratio of 12.86%, a return on assets of 0.88%, a nonperforming-loan ratio of 0.17% and a Texas ratio of 4.13%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Lawrence Bank is the 7th largest of the 109 banks headquartered in Tennessee. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.9% to $3.04B, loans fell 1.2% and deposits fell 1.0%. 1-4 family residential loans made up 44.7% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 17.3%. Its 30 offices in the FDIC Summary of Deposits are in 15 cities in TN; its Clarksville 9 offices book 28% of its branch deposits. Judged on its Q2 2026 call report, Lawrence Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3200 West End Ave, Nashville, TN 37203
- County
- Davidson
- Metro Area
- Nashville-Davidson-Murfreesboro-Franklin, 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
- —
- Call Report form
- FFIEC 051
- Established
- April 15, 1977
- Former names
- Volunteer Bank (2025-2026); Volunteer State Bank (1981-2025)
- Domestic offices
- 31 FDIC institution directory, current count
- Employees (FTE)
- 334
- Domestic deposits
- $2.62B
- Allowance for credit losses
- $19.4M
- Net charge-offs (YTD)
- $1.4M
- Average total assets
- $3.09B
- Average total loans
- $2.29B
- Average interest-bearing deposits
- $2.23B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 15, 1977
- FDIC Cert
- 22451
- Fed RSSD
- 774132
- Website
- www.volunteer.bank →
- Parent Holding Company
- LAWRENCE BANCSHARES, INC. (RSSD 1080803)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Lawrence Bank's total assets ran between $1.05B (Q3 2023) and $3.07B (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
$3.04B total assets against $1.67B; $2.68B total liabilities against $1.47B.
$2.24B net loans and leases against $1.12B; $2.62B total deposits against $1.43B.
$266.3M securities against $160.5M; $239.1M cash and balances due against $200.2M.
$40.7M total interest income against $21.4M; $13.3M total interest expense against $7.6M.
$27.4M net interest income against $13.7M.
$3.1M total noninterest income against $1.5M; $22.9M total noninterest expense against $12.1M.
$338K provision for credit losses against $182K.
$6.8M net income against $2.8M.
0.88% return on assets against 0.69%; 3.95% net interest margin against 3.88%.
12.86% CET1 capital ratio against 11.68%; 9.78% tier 1 leverage ratio against 9.46%.
Inside the full Lawrence Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLawrence Bank rankings
Its closest position to the top of a national ranking is 412 of 4,196, for total assets; its furthest is 2,987 of 3,606, for efficiency ratio.
Banks merged into Lawrence Bank
- F&M Bank, effective January 1, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.45% (Q3 2025) to 1.19% (Q1 2026) and its net interest margin ran from 3.58% (Q3 2024) to 3.96% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.86% | 0.88% | 0.17% | 4.13% | 3.95% |
| Q1 2026 | 12.89% | 1.19% | 0.17% | 4.33% | 3.84% |
| Q4 2025 | 12.36% | 0.82% | 0.80% | 7.57% | 3.96% |
| Q3 2025 | 11.98% | 0.45% | 0.45% | 3.45% | 3.96% |
| Q2 2025 | 11.68% | 0.69% | 0.45% | 3.74% | 3.88% |
| Q1 2025 | 12.02% | 0.59% | 0.53% | 4.04% | 3.78% |
| Q4 2024 | 12.00% | 0.65% | 0.23% | 2.66% | 3.74% |
| Q3 2024 | 12.02% | 0.48% | 0.11% | 1.89% | 3.58% |
Swipe the table sideways to see every column.
Branch Network
View all 30 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 |
|---|---|---|---|
| F&M Branch | Clarksville , TN | 37040 | $297.8M |
| East Main Street Branch | Hendersonville , TN | 37075 | $219.8M |
| Springfield Branch | Springfield , TN | 37172 | $200.3M |
| Portland Branch | Portland , TN | 37148 | $175.2M |
| Hilldale Branch | Clarksville , TN | 37043 | $141.4M |
| White House Branch | White House , TN | 37188 | $133.1M |
| Dover Branch | Dover , TN | 37058 | $132.7M |
| Peabody Branch | Nashville , TN | 37210 | $123.8M |
| Sango Branch Office | Clarksville , TN | 37043 | $118.7M |
| Cool Springs Branch | Franklin , TN | 37067 | $117.6M |
| Franklin Square Branch | Franklin , TN | 37064 | $98.0M |
| Gallatin Branch | Gallatin , TN | 37066 | $82.4M |
| St Bethlehem Branch | Clarksville , TN | 37040 | $78.4M |
| White Bluff Branch | White Bluff , TN | 37187 | $77.1M |
| Glen Echo Branch | Nashville , TN | 37215 | $68.9M |
| New Shackle Island Branch | Hendersonville , TN | 37075 | $67.5M |
| Dover Road Branch | Clarksville , TN | 37042 | $64.5M |
| Greenbrier Office | Greenbrier , TN | 37073 | $63.6M |
| Greensboro Village Branch | Gallatin , TN | 37066 | $60.6M |
| Lawrence Bank (main office) | Nashville , TN | 37203 | $59.8M |
| Mt. Juliet Branch | Mount Juliet , TN | 37122 | $59.4M |
| Goodlettsville Branch | Goodlettsville , TN | 37072 | $58.3M |
| Memorial Branch Murfreesboro | Murfreesboro , TN | 37129 | $55.8M |
| Murfreesboro Branch | Murfreesboro , TN | 37129 | $29.0M |
| Tiny Town Branch | Clarksville , TN | 37042 | $19.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2026 | Structure Change | Acquired F&M Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2024 | Structure Change | Acquired Fourth Capital Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1986 | Structure Change | Acquired Bank of Orlinda Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 29, 1983 | Structure Change | Acquired Bank of Hendersonville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.0% of deposits in TN, rank 14 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 444 applications, 366 loans originated, $148.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $413K approved, $413K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Lawrence Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Lawrence Bank
What are Lawrence Bank's total assets?
As of the Q2 2026 filing, Lawrence Bank reported total assets of $3.04 billion in its FFIEC call report.
Where is Lawrence Bank headquartered?
It is headquartered in Nashville, TN, United States.
When was Lawrence Bank founded?
It was established in 1977, per the FDIC institution directory.
Is Lawrence Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22451). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lawrence Bank?
Lawrence Bank's primary federal regulator is the FDIC.
What is Lawrence Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.86% in its Q2 2026 call report, above regulatory requirements.
How many branches does Lawrence Bank operate?
It operates 31 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lawrence Bank's Texas Ratio?
Its Texas Ratio is 4.13% 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.
What was Lawrence Bank previously called?
The charter now named Lawrence Bank has also operated as Volunteer Bank (2025-2026), Volunteer State Bank (1981-2025), per FDIC structure-change records.
Go deeper on Lawrence Bank.
Get an email when Lawrence Bank files its next call report, and benchmark it against any peer you choose.
Unlock Lawrence Bank, freeFree account