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Lawrence Bank
Nashville, TN · FDIC Certificate #22451 · Chartered 04/1
Total assets
$3.04B
Total deposits
$2.62B
Total equity
$358.82M
Net loans
$2.24B
Branches (offices)
30
Net income (YTD)
$16.12M
Rank: #420 of 4,213 U.S. banks by assets · #7 of 109 in Tennessee. Assets changed 82.4% and deposits 83.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.04% |
| Return on equity | 9.01% |
| Net interest margin (YTD) | 3.94% |
| Equity to assets | 11.79% |
| Tier 1 leverage ratio | 9.78% |
| Uninsured deposits (share of deposits) | 25.9% |
| Noncurrent loans (share of loans) | 0.17% |
| Net charge-offs (share of loans) | 0.12% |
| Loans to deposits | 85.6% |
| Real estate loans (share of loans) | 92.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.07B | 92.2% | |
| Commercial & industrial | $172.74M | 7.7% | |
| Consumer / individual | $20.45M | 0.9% | |
| Construction & development | $231.12M | 10.3% | |
| Agricultural | $1.47M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.09B | $946.52M | $4.63M | $133.47M |
| Jun 2023 | $1.03B | $877.53M | $6.26M | $139.37M |
| Jun 2024 | $1.07B | $908.71M | $3.17M | $136.75M |
| Jun 2025 | $1.67B | $1.43B | $5.14M | $196.28M |
| Jun 2026 | $3.04B | $2.62B | $16.12M | $358.82M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $2.62B | 30 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.62B.
Similar-sized banks
Banknewport ($3.07B) · The National Bank Of Indianapolis ($3.04B)
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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