Lawrenceburg Federal Bank
Also written as LFB
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Data as of · sourced from FFIEC call reports. How we update
Lawrenceburg Federal Bank is an FDIC-insured savings bank headquartered in Lawrenceburg, TN, established in 1934 (FDIC certificate 29186), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $95.2M, up 8.4% from Q2 2025, the 105th largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 18.43% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29186
- Headquarters
- Lawrenceburg, TN
- Established
- 1934
- Total assets, Q2 2026
- $95.2M
- Assets vs Q2 2025
- +8.4%
- Tier 1 leverage ratio, Q2 2026
- 18.43%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 264171432
- Latest call report
- Q2 2026, FFIEC 051 · Lawrenceburg Federal Bank Q3 2026 call report, filed October 16, 2026 (preliminary)
- Asset rank in state
- 105th of 109 in Tennessee
Lawrenceburg Federal Bank pays more for its money than most banks of its size. Its balance sheet stood at $95 million at June 30, 2026, up 8.4% from a year earlier; it is based in Lawrenceburg, Tennessee. It pays an average of 2.95% on its deposits and borrowings, about double the median of 1.53% for the 533 banks with less than $100 million in assets. It also grew deposits 9.4% over the year, 3.8 times the median of 2.5% for banks its size.
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.41% of loans from 0.94%. Deposits are coming in faster than loans: over the year loans rose 4.9% and deposits rose 9.4%.
As of June 30, 2026, Lawrenceburg Federal Bank reported a return on assets of 0.71%, a nonperforming-loan ratio of 0.41% and a Texas ratio of 3.30%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Lawrenceburg Federal Bank is the 105th largest of the 109 banks headquartered in Tennessee. From Q1 2026 to Q2 2026, its total assets fell 2.3% to $95.2M, loans fell 0.1% and deposits fell 3.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 90.9% of total loans, followed by construction and land development loans at 6.4%. Its one office in the FDIC Summary of Deposits is in Lawrenceburg, TN. On its Q2 2026 call report, Lawrenceburg Federal Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 118 W Gaines St, Lawrenceburg, TN 38464
- County
- Lawrence
- Metro Area
- Lawrenceburg, TN
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 1, 1934
- Former names
- Lawrenceburg Federal Bank, FSB (2007); Lawrenceburg Federal Savings Bank, FSB (1995-2007)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $74.8M
- Allowance for credit losses
- $190K
- Net charge-offs (YTD)
- $36K
- Average total assets
- $98.7M
- Average total loans
- $80.0M
- Average interest-bearing deposits
- $75.9M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29186
- Fed RSSD
- 834175
- Website
- lawrenceburgfederal.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Lawrenceburg Federal Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Lawrenceburg Federal Bank's total assets moved between a low of $76.8M (Q3 2023) and a high of $97.4M (Q1 2026) from Q3 2023 to Q2 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
$95.2M total assets against $87.8M; $77.0M total liabilities against $70.4M.
$79.8M net loans and leases against $76.1M; $74.8M total deposits against $68.4M.
$0 securities against $0; $11.8M cash and balances due against $8.5M.
$1.4M total interest income against $1.3M; $564K total interest expense against $541K.
$828K net interest income against $755K.
$43K total noninterest income against $51K; $611K total noninterest expense against $591K.
$12K provision for credit losses against $8K.
$175K net income against $155K.
0.71% return on assets against 0.69%; 3.56% net interest margin against 3.60%.
18.43% tier 1 leverage ratio against 19.47%.
Inside the full Lawrenceburg Federal Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Lawrenceburg Federal Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.18% (Q4 2024) to 0.99% (Q4 2025) and its net interest margin ran from 2.94% (Q4 2024) to 3.75% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.43% | 0.71% | 0.41% | 3.30% | 3.56% |
| Q1 2026 | 18.62% | 0.72% | 1.15% | 6.59% | 3.75% |
| Q4 2025 | 18.91% | 0.99% | 0.26% | 2.35% | 3.70% |
| Q3 2025 | 19.17% | 0.51% | 0.31% | 2.61% | 3.31% |
| Q2 2025 | 19.47% | 0.69% | 0.94% | 4.06% | 3.60% |
| Q1 2025 | 19.52% | 0.33% | 1.10% | 4.77% | 3.14% |
| Q4 2024 | 19.54% | 0.18% | 1.12% | 4.75% | 2.94% |
| Q3 2024 | 20.38% | 0.24% | 0.82% | 4.70% | 3.13% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Lawrenceburg Federal Bank (main office) | Lawrenceburg , TN | 38464 | $74.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 146 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Lawrenceburg Federal Bank
What are Lawrenceburg Federal Bank's total assets?
As of the Q2 2026 filing, Lawrenceburg Federal Bank reported total assets of $95.2 million in its FFIEC call report.
Where is Lawrenceburg Federal Bank headquartered?
It is headquartered in Lawrenceburg, TN, United States.
When was Lawrenceburg Federal Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Lawrenceburg Federal Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #29186). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lawrenceburg Federal Bank?
Lawrenceburg Federal Bank's primary federal regulator is the FDIC.
How many branches does Lawrenceburg Federal Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lawrenceburg Federal Bank's Texas Ratio?
Its Texas Ratio is 3.30% 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 Lawrenceburg Federal Bank previously called?
The charter now named Lawrenceburg Federal Bank has also operated as Lawrenceburg Federal Bank, FSB (2007), Lawrenceburg Federal Savings Bank, FSB (1995-2007), per FDIC structure-change records.
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