Lawrence Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lawrence Bank of Nashville, TN against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.88% | 1.44% | -0.56% | 23rd bottom |
| ROAE | 7.61% | 12.51% | -4.90% | 19th bottom |
| Net Interest Margin | 3.95% | 3.84% | +0.11% | 65th above |
| Efficiency Ratio | 73.84% | 58.86% | +14.98% | 15th bottom |
| PPNR / Avg Assets | 0.99% | 1.78% | -0.79% | 15th bottom |
| Yield on Earning Assets | 5.86% | 5.71% | +0.15% | 68th above |
| Cost of Funds | 2.01% | 2.03% | -0.02% | 50th above |
| Net Interest Spread | 3.48% | 3.18% | +0.30% | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.30% | 0.96% | -0.66% | 73rd above |
| NPA / Total Assets | 0.48% | 0.75% | -0.27% | 51st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.13% | 0.31% | -0.18% | 25th below |
| ACL / Total Loans | 0.86% | 1.25% | -0.39% | 17th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 291.02% | 699.29% | -408.27% | 68th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.11% | 7.16% | -2.05% | 48th below |
| Provision / NCO | 28.06% | 815.57% | -787.51% | 15th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.86% | 17.41% | -4.55% | 40th below |
| Tier 1 Ratio | 12.86% | 17.45% | -4.59% | 39th below |
| Total Capital Ratio | 13.77% | 18.51% | -4.74% | 36th below |
| Leverage Ratio | 9.78% | 11.60% | -1.82% | 31st below |
| Equity / Assets | 11.65% | 11.33% | +0.32% | 71st above |
| TCE / Tangible Assets | 9.14% | 10.65% | -1.51% | 35th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 86.38% | 86.35% | +0.03% | 55th above |
| Core Deposit Ratio | 91.69% | 85.55% | +6.14% | 66th above |
| Uninsured Deposit Ratio | 25.92% | 32.72% | -6.80% | 69th above |
| Wholesale Funding Ratio | 0.55% | 5.46% | -4.91% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 82.41% | 10.38% | +72.03% | 99th top |
| Loan Growth (Y/Y) | 100.53% | 7.89% | +92.64% | 100th top |
| Deposit Growth (Y/Y) | 83.44% | 7.90% | +75.54% | 99th top |
See Lawrence Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Lawrence Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Lawrence Bank profile, how to read a UBPR, or how this data updates.