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Bank Of Lincoln County
Fayetteville, TN · FDIC Certificate #57396 · Chartered 07/2
Total assets
$230.06M
Total deposits
$198.27M
Total equity
$29.63M
Net loans
$171.69M
Branches (offices)
3
Net income (YTD)
$2.21M
Rank: #2,811 of 4,213 U.S. banks by assets · #85 of 109 in Tennessee. Assets changed 3.9% and deposits 2.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.94% |
| Return on equity | 15.53% |
| Net interest margin (YTD) | 5.33% |
| Equity to assets | 12.88% |
| Tier 1 leverage ratio | 12.23% |
| Uninsured deposits (share of deposits) | 24.6% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 86.6% |
| Real estate loans (share of loans) | 85.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $146.13M | 85.1% | |
| Commercial & industrial | $13.41M | 7.8% | |
| Consumer / individual | $3.23M | 1.9% | |
| Construction & development | $21.71M | 12.6% | |
| Agricultural | $5.58M | 3.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $187.47M | $165.92M | $1.09M | $20.85M |
| Jun 2023 | $189.96M | $166.72M | $1.33M | $21.98M |
| Jun 2024 | $208.70M | $183.70M | $1.66M | $23.66M |
| Jun 2025 | $221.32M | $193.00M | $1.83M | $25.64M |
| Jun 2026 | $230.06M | $198.27M | $2.21M | $29.63M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $198.27M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $198.27M.
Similar-sized banks
The First National Bank Of Manchester ($230.13M) · Landmark Bank ($229.83M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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