Lawrenceburg Federal 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.
Loan-to-deposit ratio climbed 3.12 percentage points in Q2 2026, from 103.77% to 106.90%. It was the largest change from Q1 2026 among the key lines here. Among 109 Tennessee banks, Lawrenceburg Federal Bank sits 3rd from the top on loan-to-deposit ratio, 106.90% as of Q2 2026. Against a median of 67.92% for banks in the < $100M asset tier, Lawrenceburg Federal Bank reported 106.90% on loan-to-deposit ratio in Q2 2026, 38.97 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $80.0M |
| Net loans and leases | $79.8M |
| Loans held for sale | $0 |
| Loans to total assets | 83.97% |
| Loan-to-deposit ratio | 106.90% |
| Net loans to equity capital | 4.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 2.67% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 27.97% |
| Construction concentration (Tier 1 capital + allowance) | 27.97% |
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 | 6.32% |
| Interest income on loans | $1.3M |
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 | $69.6M | $57.6M | 0.00% | 0.00% | 4.58% |
| Q4 2023 | $71.7M | $59.6M | 0.00% | 0.00% | 4.21% |
| Q1 2024 | $71.9M | $61.4M | 0.00% | 0.00% | 4.00% |
| Q2 2024 | $72.0M | $63.2M | 0.00% | 0.00% | 3.79% |
| Q3 2024 | $73.1M | $64.3M | 0.00% | 0.00% | 3.78% |
| Q4 2024 | $73.7M | $67.5M | 0.00% | 0.00% | 3.60% |
| Q1 2025 | $75.6M | $67.1M | 0.00% | 0.00% | 3.65% |
| Q2 2025 | $76.2M | $68.4M | 0.00% | 0.00% | 3.41% |
| Q3 2025 | $79.7M | $71.4M | 0.00% | 0.00% | 3.04% |
| Q4 2025 | $80.2M | $74.1M | 0.00% | 0.00% | 2.89% |
| Q1 2026 | $80.0M | $77.1M | 0.00% | 0.00% | 2.70% |
| Q2 2026 | $80.0M | $74.8M | 0.00% | 0.00% | 2.67% |
Lawrenceburg Federal Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lawrenceburg Federal 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 Lawrenceburg Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29186) · FFIEC NIC profile (RSSD 834175)