Lawrence 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 Reserve coverage of non-performing loans: 108.80 percentage points lower than in Q1 2026, at 291.02%. Lawrence Bank ranks 77th of 109 Tennessee banks on return on assets, in the lower half at 0.88% (Q2 2026). Lawrence Bank reported 0.88% on return on assets for Q2 2026, 0.40 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.86% |
| Tier 1 risk-based capital ratio | 12.86% |
| Total risk-based capital ratio | 13.77% |
| Tier 1 leverage ratio | 9.78% |
| Equity capital to assets | 11.65% |
| Tangible equity to tangible assets | 9.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.30% |
| Non-performing assets ratio | 0.48% |
| Net charge-off ratio | 0.13% |
| Texas ratio | 5.11% |
| Allowance for credit losses to loans | 0.86% |
| Reserve coverage of non-performing loans | 291.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.88% |
| Return on equity | 7.61% |
| Net interest margin | 3.95% |
| Efficiency ratio | 73.84% |
| Yield on earning assets | 5.86% |
| Cost of funds | 2.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.38% |
| Core deposits to total deposits | 91.69% |
| Brokered deposits to total deposits | 0.90% |
| Deposits to assets | 86.11% |
| Securities to assets | 8.75% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.74% | 10.74% | 11.79% | 8.45% | 0.79% |
| Q4 2023 | 10.65% | 10.65% | 11.65% | 8.19% | 0.50% |
| Q1 2024 | 11.23% | 11.23% | 12.25% | 8.26% | 0.61% |
| Q2 2024 | 11.49% | 11.49% | 12.49% | 8.54% | 0.54% |
| Q3 2024 | 12.02% | 12.02% | 13.08% | 9.18% | 0.48% |
| Q4 2024 | 12.00% | 12.00% | 13.03% | 9.44% | 0.65% |
| Q1 2025 | 12.02% | 12.02% | 13.05% | 9.51% | 0.59% |
| Q2 2025 | 11.68% | 11.68% | 12.69% | 9.46% | 0.69% |
| Q3 2025 | 11.98% | 11.98% | 13.00% | 9.22% | 0.45% |
| Q4 2025 | 12.36% | 12.36% | 13.42% | 9.57% | 0.82% |
| Q1 2026 | 12.89% | 12.89% | 13.81% | 9.75% | 1.19% |
| Q2 2026 | 12.86% | 12.86% | 13.77% | 9.78% | 0.88% |
Lawrence Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lawrence 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 Lawrence Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22451) · FFIEC NIC profile (RSSD 774132)