Lawrence Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings dropped 16.3% in Q2 2026, from $32.0M to $26.7M. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Lawrence Bank is 42nd of 71 on CET1 ratio, 12.86% as of Q2 2026, below the middle of the field. Lawrence Bank reported 12.86% on CET1 ratio for Q2 2026, 0.62 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.86% |
| Tier 1 risk-based capital ratio | 12.86% |
| Total risk-based capital ratio | 13.77% |
| Tier 1 leverage ratio | 9.78% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $293.8M |
| Tier 1 capital | $293.8M |
| Total risk-based capital | $314.6M |
| Total equity capital | $354.5M |
| Risk-weighted assets | $2.29B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.65% |
| Tangible equity to tangible assets | 9.14% |
| Equity capital to average assets | 11.49% |
| Internal capital growth rate | -5.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $349.1M |
| Retained earnings | $26.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$21.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.74% | 10.74% | 11.79% | 8.45% | $780.6M |
| Q4 2023 | 10.65% | 10.65% | 11.65% | 8.19% | $791.7M |
| Q1 2024 | 11.23% | 11.23% | 12.25% | 8.26% | $777.6M |
| Q2 2024 | 11.49% | 11.49% | 12.49% | 8.54% | $761.9M |
| Q3 2024 | 12.02% | 12.02% | 13.08% | 9.18% | $1.20B |
| Q4 2024 | 12.00% | 12.00% | 13.03% | 9.44% | $1.21B |
| Q1 2025 | 12.02% | 12.02% | 13.05% | 9.51% | $1.21B |
| Q2 2025 | 11.68% | 11.68% | 12.69% | 9.46% | $1.26B |
| Q3 2025 | 11.98% | 11.98% | 13.00% | 9.22% | $1.25B |
| Q4 2025 | 12.36% | 12.36% | 13.42% | 9.57% | $1.24B |
| Q1 2026 | 12.89% | 12.89% | 13.81% | 9.75% | $2.32B |
| Q2 2026 | 12.86% | 12.86% | 13.77% | 9.78% | $2.29B |
Lawrence Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Lawrence Bank, freeSource: Call Report Schedule RC-R, 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 Lawrence Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22451) · FFIEC NIC profile (RSSD 774132)