Lawrence Bank

What sets Lawrence Bank apart

• Over the year to Q2 2026, the net loans and leases of Lawrence Bank rose by 100.9% to $2.2 bn, a bigger rise than at 99% of covered banks.
• Over the year to Q2 2026, the total assets of Lawrence Bank rose by 82.4% to $3.0 bn, a bigger rise than at 99% of covered banks.
• Over the year to Q2 2026, the bank equity capital of Lawrence Bank rose by 81.5% to $354.5 mn, a bigger rise than at 99% of covered banks.

How large is Lawrence Bank?

The balance sheet of Lawrence Bank at Q2 2026: assets $3.0 bn, deposits $2.6 bn, net loans $2.2 bn (loans equal to 85.64% of deposits). Securities make up 8.7% of total assets at Lawrence Bank. Since Q1 2016, when Lawrence Bank held $530.7 mn, its assets grew 473.5%. In the year to Q2 2026, deposits at Lawrence Bank rose 83.4% while its total assets rose 82.4%. At Q2 2026, Lawrence Bank employed 334 full-time equivalent staff across 31 offices, about $9.1 mn of assets per employee and $84.5 mn of deposits per office.

How much funding at Lawrence Bank is uninsured?

At Lawrence Bank, uninsured deposits (above the FDIC limit) made up 25.92% of domestic deposits at Q2 2026 (-5.73 pp on a year earlier); Lawrence Bank ranks 367th of 500 on this measure. In dollars, Lawrence Bank estimated $679.4 mn of uninsured deposits.

Key facts, Q2 2026

US rank of Lawrence Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of Lawrence Bank stood at 12.86% in Q2 2026, +1.18 pp year on year. Low and high at Lawrence Bank since Q1 2016: 9.58% (Q1 2019) to 12.94% (Q4 2020). Equity capital of Lawrence Bank at Q2 2026: $354.5 mn, or 11.6% of total assets. Lawrence Bank also reported a total capital ratio of 13.77% for Q2 2026, and a tier 1 leverage ratio of 9.78%.

The available-for-sale portfolio of Lawrence Bank showed an unrealized loss of $23.4 mn at Q2 2026; the loss widened by $12.7 mn over the year.

For the year to Q2 2026, Lawrence Bank earned a return on equity of 9.01%; return on assets: 1.04%. Net interest margin at Lawrence Bank: 3.94%, +0.09 pp in a year. Lawrence Bank net income: $16.1 mn, up 213.8% year on year. The efficiency ratio of Lawrence Bank was 70.06%: about 70 cents cost per revenue dollar, against 59 cents at the median peer.

At Q2 2026, noncurrent loans were 0.17% of total loans at Lawrence Bank; net charge-offs: 0.12% of average loans. Gross loans and leases at Lawrence Bank: $2.3 bn, up 100.5% in a year.

The peer group of Lawrence Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 2 share the charter type of Lawrence Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Tennessee. Against them, Lawrence Bank shows CET1 ratio 12.86% against a peer median of 12.70%, return on equity 9.01% against a peer median of 10.38% and uninsured deposit share 25.92% against a peer median of 28.11%.

The FDIC history of Lawrence Bank, oldest first; figures before and after each event are not like for like.

1. 1 July 2024. Absorbed Fourth Capital Bank (FDIC certificate 59101).
2. 1 January 2026. Absorbed F&M Bank (FDIC certificate 9963).

Large one-quarter moves at Lawrence Bank

• Total assets at Lawrence Bank changed by +49.5% in the quarter to 2024-09-30: Affiliated Institution Merger (Pooling) (i.e. Corporate Reorganization; Participated in Absorbtion/Consolidation/Merger: acquired from Fourth Capital Bank.
• Total assets at Lawrence Bank changed by +91.1% in the quarter to 2026-03-31: Affiliated Institution Merger (Pooling) (i.e. Corporate Reorganization; Participated in Absorbtion/Consolidation/Merger: acquired from F&M Bank.