BlastPoint's Banking Scorecard

Lawrence Bank

$1B-$10B Specialty: Commercial TN FDIC cert 22451

Designations: ✓ Community bank

Nashville, TN

31 branches across TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in TN.
Deposits +83.4% year over year ($2.6B on the books).
Delinquency rate 0.18%.
Return on assets 1.04%.
Efficiency ratio 70.06% vs a 59.73% peer average.
Loan-to-deposit ratio 85.64% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 28 in TN

View $1B-$10B leaderboard (TN) →

Lawrence Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.07% above tier average
+ Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 30.4% in tier
- ROA 0.35% below tier average
- Efficiency Ratio 10.33% above tier average

Get updates when Lawrence Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$3.0B +82.4% YoY -0.9% QoQ	+$250.4M	$2.8B -0.6% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	71%
Total Loans ?	$2.2B +100.9% YoY -1.2% QoQ	+$281.3M	$2.0B -0.3% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	73%
Total Deposits ?	$2.6B +83.4% YoY -1.0% QoQ	+$302.0M	$2.3B -0.5% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	73%
Return on Assets ?	1.04% +63.1% YoY -13.0% QoQ	-0.35%	1.39% +17.0% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	33%
Net Interest Margin ?	3.94% +2.4% YoY +1.3% QoQ	+0.07%	3.87% +6.2% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	64%
Efficiency Ratio ?	70.06% -11.1% YoY +6.1% QoQ	+10.33%	59.73% -12.6% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	21%
Delinquency Rate ?	0.18% -61.7% YoY +0.9% QoQ	-0.69%	0.87% +11.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	80%
Loan-to-Deposit Ratio ?	85.64% +9.5% YoY -0.2% QoQ	+0.61%	85.04% -0.1% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	54%
Non-Interest-Bearing Deposit Share ?	15.98% -19.2% YoY +5.1% QoQ	-5.29%	21.27% -1.5% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	31%
Nonperforming Asset Ratio ?	0.39% +19.1% YoY -5.1% QoQ	-0.28%	0.67% +11.7% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	52%
Tier 1 Capital Ratio ?	12.86% +10.1% YoY -0.3% QoQ	-1.99%	14.84% -0.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	47%
Non-Interest Income / Assets ?	0.21% +25.8% YoY +98.1% QoQ	-0.32%	0.53% +2.5% YoY	0.34% -6.5% YoY	0.66% +5.2% YoY	33%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Noninterest-Bearing	16.0% -3.8pp YoY +0.8pp QoQ	-5.4pp	21.4%	18.8%	22.2%	31%
Brokered Deposits	0.9% -0.4pp YoY 0.0pp QoQ	-8.6pp	9.5%	9.4%	8.5%	18%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	7.7% -4.6pp YoY -0.5pp QoQ	-6.3pp	14.0%	10.9%	12.5%	32%
CRE	43.5% -3.7pp YoY +1.0pp QoQ	-6.5pp	50.0%	42.4%	41.4%	32%
1-4 Family	45.0% +6.9pp YoY -0.2pp QoQ	+18.6pp	26.4%	39.8%	31.3%	86%
Consumer	0.9% -0.6pp YoY 0.0pp QoQ	-3.8pp	4.7%	4.5%	5.0%	43%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
CET1 Ratio	12.9% +1.2pp YoY 0.0pp QoQ	-2.7pp	15.6%	14.8%	19.7%	39%
Leverage Ratio	9.8% +0.3pp YoY 0.0pp QoQ	-1.5pp	11.3%	11.4%	12.6%	31%
Total Capital Ratio	13.8% +1.1pp YoY 0.0pp QoQ	-2.9pp	16.7%	15.9%	20.8%	36%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Full-Time Employees	334 +150 (+81.5%) YoY -4 (-1.2%) QoQ	+20	313	270	482	70%
Assets per Employee ($)	$9.1M +0.5% YoY +0.2% QoQ	-$1.4M	$10.5M	$7.1M	$8.8M	55%
Branch Count	31 +14 (+82.4%) YoY -5 (-13.9%) QoQ	+11	20	17	18	83%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.2pp	0.2%	0.2%	0.4%	22%
Nonaccrual	0.2% -0.3pp YoY 0.0pp QoQ	-0.7pp	0.8%	0.7%	1.0%	19%
Allowance Coverage	4.93x +119.9% YoY -1.5% QoQ	-13.78x	18.71x	28.97x	20.23x	78%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.1%	0.2%	71%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	9.0% +3.7pp YoY -1.4pp QoQ	-3.6pp	12.6%	10.9%	11.6%	26%
Cost of Funds (YTD)	1.9% -0.2pp YoY 0.0pp QoQ	0.0pp	1.9%	2.0%	1.7%	52%
Net Income ($, YTD)	$16.1M +213.8% YoY — QoQ	-$3.1M	$19.2M	$16.7M	$40.4M	62%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline

#15 of 46 • Bottom 30.4% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 15.98%

(Tier: 21.27%, National: 21.98%)

worse than tier avg

46 of 46 Mid-Market banks match · 211 nationally

↓ Shrinking -26 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

175

Delinquency Rate

credit_quality

Value: 0.18%

Peer Median: 0.87%

#175 of 882 Top 19.7% in $1B-$10B

Top Weaknesses (1 metrics)

701

Efficiency Ratio

profitability

Value: 70.06%

Peer Median: 59.73%

#701 of 885 Bottom 20.9% in $1B-$10B