Lawrenceburg Federal 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.
Reserve coverage of non-performing loans dropped 171.83 percentage points in Q2 2026, from 209.38% to 37.55%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Lawrenceburg Federal Bank is 92nd of 109 on return on assets, 0.71% as of Q2 2026, below the middle of the field. Lawrenceburg Federal Bank reported 0.71% on return on assets for Q2 2026, 0.27 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 18.43% |
| Equity capital to assets | 19.10% |
| Tangible equity to tangible assets | 19.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.63% |
| Non-performing assets ratio | 0.83% |
| Net charge-off ratio | 0.12% |
| Texas ratio | 5.33% |
| Allowance for credit losses to loans | 0.24% |
| Reserve coverage of non-performing loans | 37.55% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.71% |
| Return on equity | 3.88% |
| Net interest margin | 3.56% |
| Efficiency ratio | 70.15% |
| Yield on earning assets | 5.98% |
| Cost of funds | 2.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 106.90% |
| Core deposits to total deposits | 80.99% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.55% |
| Securities to assets | — |
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 | — | — | — | 21.67% | 0.36% |
| Q4 2023 | 37.15% | 37.15% | 37.51% | 21.53% | 0.93% |
| Q1 2024 | — | — | — | 21.04% | 0.23% |
| Q2 2024 | — | — | — | 20.56% | 0.17% |
| Q3 2024 | — | — | — | 20.38% | 0.24% |
| Q4 2024 | — | — | — | 19.54% | 0.18% |
| Q1 2025 | 35.56% | 35.56% | 35.84% | 19.52% | 0.33% |
| Q2 2025 | — | — | — | 19.47% | 0.69% |
| Q3 2025 | — | — | — | 19.17% | 0.51% |
| Q4 2025 | — | — | — | 18.91% | 0.99% |
| Q1 2026 | — | — | — | 18.62% | 0.72% |
| Q2 2026 | — | — | — | 18.43% | 0.71% |
Lawrenceburg Federal Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lawrenceburg Federal 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 Lawrenceburg Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29186) · FFIEC NIC profile (RSSD 834175)