BlastPoint's Banking Scorecard
Lawrenceburg Federal Bank
Designations: ✓ Community bank ✓ Mutual
Lawrenceburg, 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 536 banks in the under $100M peer group nationwide — 1 of 6 in TN.
- Deposits +9.4% year over year ($74.8M on the books).
- Delinquency rate 0.41%.
- Return on assets 0.73%.
- Efficiency ratio 68.15% vs a 119.40% peer average.
- Loan-to-deposit ratio 106.64% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Lawrenceburg Federal Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 51.24% below tier average
- + Delinquency Rate 1.07% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 32.43% above tier average
- - Non-Interest-Bearing Deposit Share 23.03% below tier average
- - ROA 0.27% below tier average
- - Net Interest Margin 0.23% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$95.2M
+8.4% YoY
-2.3% QoQ
|
+$32.8M |
$62.4M
-0.0% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
Top 6.0% in tier |
| Total Loans ? |
$79.8M
+4.8% YoY
-0.1% QoQ
|
+$44.9M |
$34.9M
-0.6% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
Top 1.3% in tier |
| Total Deposits ? |
$74.8M
+9.4% YoY
-3.0% QoQ
|
+$23.2M |
$51.6M
-0.2% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
84% |
| Return on Assets ? |
0.73%
+38.8% YoY
+0.5% QoQ
|
-0.27% |
1.00%
+3.5% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
37% |
| Net Interest Margin ? |
3.68%
+8.9% YoY
-1.5% QoQ
|
-0.23% |
3.91%
+2.3% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
38% |
| Efficiency Ratio ? |
68.15%
-11.6% YoY
+2.9% QoQ
|
-51.24% |
119.40%
+49.6% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
56% |
| Delinquency Rate ? |
0.41%
-56.6% YoY
-64.5% QoQ
|
-1.07% |
1.48%
+31.8% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
106.64%
-4.2% YoY
+3.0% QoQ
|
+32.43% |
74.21%
+12.6% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
Bottom 5.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.46%
-12.4% YoY
-46.4% QoQ
|
-23.03% |
23.49%
+0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 6.0% in tier |
| Nonperforming Asset Ratio ? |
0.64%
-21.9% YoY
-48.1% QoQ
|
-0.20% |
0.84%
+23.0% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
18.43%
-5.4% YoY
-1.1% QoQ
|
-8.70% |
27.13%
+3.0% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.09%
-26.5% YoY
+104.7% QoQ
|
-1.29% |
1.38%
+6.3% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
35% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
0.5%
-0.1pp YoY -0.4pp QoQ |
-24.2pp | 24.6% | 18.8% | 22.2% | 1% |
| Brokered Deposits | n/a | n/a | 9.8% | 9.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 13.4% | 10.9% | 12.5% | n/a |
| CRE | n/a | n/a | 25.2% | 42.4% | 41.4% | n/a |
| 1-4 Family |
91.1%
+1.4pp YoY -0.2pp QoQ |
+56.1pp | 35.0% | 39.8% | 31.3% | 97% |
| Consumer |
2.7%
-0.7pp YoY 0.0pp QoQ |
-5.0pp | 7.7% | 4.5% | 5.0% | 27% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 14.8% | 19.7% | n/a |
| Leverage Ratio |
18.4%
-1.0pp YoY -0.2pp QoQ |
+0.7pp | 17.7% | 11.4% | 12.6% | 82% |
| Total Capital Ratio | n/a | n/a | 39.7% | 15.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
13
0 YoY -1 (-7.1%) QoQ |
+1 | 12 | 270 | 482 | 62% |
| Assets per Employee ($) |
$7.3M
+8.4% YoY +5.2% QoQ |
+$1.1M | $6.2M | $7.1M | $8.8M | 72% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 17 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.4pp YoY -0.9pp QoQ |
-0.7pp | 1.0% | 0.2% | 0.4% | 38% |
| Nonaccrual |
0.2%
-0.1pp YoY |
-1.6pp | 1.7% | 0.7% | 1.0% | 19% |
| Allowance Coverage |
0.58x
+180.1% YoY +166.5% QoQ |
-5.83x | 6.41x | 28.97x | 20.23x | 26% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 67% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.9%
+1.2pp YoY 0.0pp QoQ |
-2.5pp | 6.4% | 10.9% | 11.6% | 27% |
| Cost of Funds (YTD) |
2.4%
-0.3pp YoY +0.1pp QoQ |
+1.0pp | 1.4% | 2.0% | 1.7% | 91% |
| Net Income ($, YTD) |
$349,000
+52.4% YoY — QoQ |
+$31K | $317,817 | $16.7M | $40.4M | 58% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.