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Lawrence Bank

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

Designations: ✓ Community bank

Nashville, TN

36 branches across TN

884 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 0.71% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 58.3% in tier
  • - ROA 0.17% below tier average
  • - Efficiency Ratio 5.00% above tier average
Get updates when Lawrence Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $3.1B
+93.1% YoY +91.1% QoQ
+$257.0M $2.8B
-0.1% YoY
$2.8B
+35.7% YoY
$6.2B
+9.1% YoY
71%
Total Loans ? $2.3B
+109.4% YoY +97.0% QoQ
+$307.2M $2.0B
+0.6% YoY
$2.0B
+36.6% YoY
$3.2B
+10.8% YoY
73%
Total Deposits ? $2.6B
+95.6% YoY +93.9% QoQ
+$304.0M $2.3B
-0.3% YoY
$2.4B
+35.2% YoY
$4.8B
+8.2% YoY
72%
Return on Assets ? 1.20%
+100.1% YoY +85.9% QoQ
-0.17% 1.37%
+19.6% YoY
1.12%
+20.1% YoY
1.23%
+13.4% YoY
47%
Net Interest Margin ? 3.89%
+0.9% YoY -2.1% QoQ
+0.07% 3.82%
+6.9% YoY
3.93%
+7.0% YoY
3.89%
+5.7% YoY
65%
Efficiency Ratio ? 66.06%
-17.4% YoY -15.3% QoQ
+5.00% 61.06%
-4.6% YoY
66.13%
-5.5% YoY
66.95%
-4.1% YoY
31%
Delinquency Rate ? 0.17%
-67.8% YoY -78.6% QoQ
-0.71% 0.89%
+14.1% YoY
0.68%
+13.4% YoY
0.95%
+18.8% YoY
81%
Loan-to-Deposit Ratio ? 85.83%
+7.1% YoY +1.6% QoQ
+1.62% 84.20%
+0.3% YoY
79.84%
+2.1% YoY
76.70%
+0.9% YoY
51%
Non-Interest-Bearing Deposit Share ? 15.21%
-16.5% YoY -8.0% QoQ
-6.08% 21.29%
-2.5% YoY
18.48%
-3.8% YoY
22.01%
-1.2% YoY
28%
Nonperforming Asset Ratio ? 0.41%
+12.6% YoY -43.5% QoQ
-0.26% 0.67%
+15.6% YoY
0.56%
+16.1% YoY
0.67%
+19.3% YoY
51%
Tier 1 Capital Ratio ? 12.89%
+7.3% YoY +4.3% QoQ
-2.27% 15.16%
+2.0% YoY
14.23%
-1.0% YoY
17.06%
+0.8% YoY
46%
Non-Interest Income / Assets ? 0.11%
+31.4% YoY -56.7% QoQ
-0.15% 0.26%
+1.6% YoY
0.17%
-1.0% YoY
0.32%
+4.1% YoY
35%

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
#22 of 36 • Bottom 58.3% 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: 15.21%
(Tier: 21.29%, National: 22.01%)
worse than tier avg
36 of 36 Mid-Market banks match · 238 nationally
↓ Shrinking -31 banks QoQ

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).
Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

164
Delinquency Rate
credit_quality
Value: 0.17%
Peer Median: 0.89%
#164 of 880 Top 18.5% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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