Lawrence Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 6.72 percentage points in Q2 2026, from 180.27% to 186.99%. It was the largest change from Q1 2026 among the key lines here. Lawrence Bank ranks 44th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 86.38% (Q2 2026). At 86.38%, Lawrence Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.26B |
| Net loans and leases | $2.24B |
| Loans held for sale | $0 |
| Loans to total assets | 74.38% |
| Loan-to-deposit ratio | 86.38% |
| Net loans to equity capital | 6.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.13% |
| Multifamily (5+ residential) | 2.83% |
| Commercial and industrial | 7.63% |
| Consumer | 0.90% |
| Credit cards | 0.00% |
| Farm | 3.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 186.99% |
| Construction concentration (Tier 1 capital + allowance) | 73.78% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $36.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $705.3M | $902.9M | 31.81% | 10.94% | 1.56% |
| Q4 2023 | $716.6M | $908.1M | 32.03% | 10.52% | 1.56% |
| Q1 2024 | $709.7M | $911.6M | 32.73% | 9.61% | 1.55% |
| Q2 2024 | $710.9M | $908.7M | 31.91% | 10.01% | 1.45% |
| Q3 2024 | $1.09B | $1.36B | 32.42% | 10.95% | 2.00% |
| Q4 2024 | $1.10B | $1.33B | 32.41% | 11.89% | 1.81% |
| Q1 2025 | $1.10B | $1.35B | 32.80% | 11.92% | 1.65% |
| Q2 2025 | $1.13B | $1.43B | 33.67% | 12.15% | 1.49% |
| Q3 2025 | $1.15B | $1.41B | 34.15% | 12.20% | 1.44% |
| Q4 2025 | $1.17B | $1.37B | 33.84% | 12.48% | 1.33% |
| Q1 2026 | $2.29B | $2.65B | 29.48% | 8.17% | 0.94% |
| Q2 2026 | $2.26B | $2.62B | 30.13% | 7.63% | 0.90% |
Lawrence Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lawrence Bank, freeSource: Call Report Schedule RC-C, 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)