BlastPoint's Banking Scorecard
Lawrenceburg Federal Bank
Designations: ✓ Community bank ✓ Mutual
Lawrenceburg, TN
Lawrenceburg Federal Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 22.12% below tier average
- + Delinquency Rate 0.22% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 39.30% above tier average
- - Non-Interest-Bearing Deposit Share 22.86% below tier average
- - ROA 0.11% below tier average
- - Net Interest Margin 0.12% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$97.4M
+12.6% YoY
+3.4% QoQ
|
+$35.3M |
$62.2M
-0.6% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
Top 3.1% in tier |
| Total Loans ? |
$79.8M
+5.7% YoY
-0.3% QoQ
|
+$45.6M |
$34.2M
-1.4% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
Top 0.7% in tier |
| Total Deposits ? |
$77.1M
+14.8% YoY
+4.0% QoQ
|
+$25.4M |
$51.7M
-0.7% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
Top 13.9% in tier |
| Return on Assets ? |
0.73%
+112.6% YoY
+25.0% QoQ
|
-0.11% |
0.84%
-2.3% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
3.74%
+18.5% YoY
+7.5% QoQ
|
-0.12% |
3.86%
+2.8% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
47% |
| Efficiency Ratio ? |
66.22%
-18.6% YoY
-10.4% QoQ
|
-22.12% |
88.34%
+0.3% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
62% |
| Delinquency Rate ? |
1.15%
+4.6% YoY
+347.3% QoQ
|
-0.22% |
1.37%
+33.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
103.51%
-8.0% YoY
-4.1% QoQ
|
+39.30% |
64.22%
-0.7% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 5.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.86%
+106.0% YoY
+148.9% QoQ
|
-22.86% |
23.71%
+0.3% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 6.7% in tier |
| Nonperforming Asset Ratio ? |
1.23%
+27.4% YoY
+173.8% QoQ
|
+0.44% |
0.79%
+28.2% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
20% |
| Tier 1 Capital Ratio ? |
18.62%
-47.6% YoY
-1.1% QoQ
|
-8.06% |
26.68%
+2.0% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.04%
-33.0% YoY
-81.3% QoQ
|
-0.62% |
0.67%
+1.9% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
38% |
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Signature Analysis
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Metric Rankings
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