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Bank of Lincoln County

$100M-$1B Specialty: Commercial TN FDIC cert 57396

Fayetteville, TN

3 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
  • Deposits +2.7% year over year ($198.3M on the books).
  • Delinquency rate 0.01%.
  • Return on assets 1.94%.
  • Efficiency ratio 51.01% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.59% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 72 in TN
View $100M-$1B leaderboard (TN) →

Bank of Lincoln County demonstrates 4 strengths

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

  • + Deposit Franchise: Top 13.0% in tier
  • + Profitability Leader: Top 46.1% in tier
  • + Efficiency Ratio 13.47% below tier average
  • + Delinquency Rate 0.91% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Bank of Lincoln County releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $230.1M
+3.9% YoY -0.9% QoQ
-$156.5M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
33%
Total Loans ? $171.7M
+0.5% YoY -1.4% QoQ
-$86.7M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
41%
Total Deposits ? $198.3M
+2.7% YoY -1.6% QoQ
-$128.5M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
34%
Return on Assets ? 1.94%
+16.7% YoY +8.9% QoQ
+0.62% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
Top 14.7% in tier
Net Interest Margin ? 5.33%
+8.8% YoY +1.8% QoQ
+1.34% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
Top 4.2% in tier
Efficiency Ratio ? 51.01%
-8.1% YoY -4.8% QoQ
-13.47% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
81%
Delinquency Rate ? 0.01%
-87.4% YoY
-0.91% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
Top 14.6% in tier
Loan-to-Deposit Ratio ? 86.59%
-2.2% YoY +0.2% QoQ
+8.64% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
34%
Non-Interest-Bearing Deposit Share ? 36.82%
+10.3% YoY +68.0% QoQ
+14.79% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
Top 7.4% in tier
Nonperforming Asset Ratio ? 0.01%
-87.8% YoY
-0.66% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
Top 13.5% in tier
Tier 1 Capital Ratio ? 12.23%
-2.8% YoY -7.6% QoQ
-3.68% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
38%
Non-Interest Income / Assets ? 0.23%
+2.4% YoY +110.6% QoQ
-0.34% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
59%

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 36.8%
+3.5pp YoY
+14.9pp QoQ
 +14.7pp 22.1% 18.8% 22.2% 92%
Brokered Deposits 2.5%
0.0pp QoQ
 -5.3pp 7.9% 9.4% 8.5% 34%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 7.8%
+2.7pp YoY
+0.4pp QoQ
 -3.7pp 11.6% 10.9% 12.5% 38%
CRE n/a n/a 39.5% 42.4% 41.4% n/a
1-4 Family 29.0%
+2.2pp YoY
+0.9pp QoQ
 -3.6pp 32.6% 39.8% 31.3% 49%
Consumer 1.9%
-0.3pp YoY
0.0pp QoQ
 -2.2pp 4.1% 4.5% 5.0% 46%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 14.8% 19.7% n/a
Leverage Ratio 12.2%
-0.3pp YoY
-1.0pp QoQ
 +0.1pp 12.2% 11.4% 12.6% 67%
Total Capital Ratio n/a n/a 19.9% 15.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 43
+1 (+2.4%) YoY
0 QoQ
 -16 58 270 482 45%
Assets per Employee ($) $5.4M
+1.5% YoY
-0.9% QoQ
 -$2.2M $7.5M $7.1M $8.8M 20%
Branch Count 3
0 YoY
0 QoQ
 -2 4 17 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.3pp 0.3% 0.2% 0.4% 18%
Nonaccrual n/a n/a 0.9% 0.7% 1.0% n/a
Allowance Coverage 82.42x
+631.5% YoY
 +58.27x 24.15x 28.97x 20.23x 96%
Net Charge-off Rate (YTD) 0.0%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 63%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 15.5%
+1.0pp YoY
+1.0pp QoQ
 +3.3pp 12.2% 10.9% 11.6% 70%
Cost of Funds (YTD) 1.7%
-0.3pp YoY
0.0pp QoQ
 0.0pp 1.7% 2.0% 1.7% 49%
Net Income ($, YTD) $2.2M
+20.8% YoY
— QoQ
 -$347K $2.6M $16.7M $40.4M 56%

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 (2)

Deposit Franchise

growth
#37 of 278 • Top 13.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 36.82%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.33%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ

Profitability Leader

growth
#306 of 661 • Top 46.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.94%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

112
Net Interest Margin
profitability
Value: 5.33%
Peer Median: 3.99%
#112 of 2643 Top 4.2% in $100M-$1B
197
Non-Interest-Bearing Deposit Share
funding
Value: 36.82%
Peer Median: 22.03%
#197 of 2643 Top 7.4% in $100M-$1B
358
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#358 of 2643 Top 13.5% in $100M-$1B
385
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.92%
#385 of 2633 Top 14.6% in $100M-$1B
389
Return on Assets
profitability
Value: 1.94%
Peer Median: 1.32%
#389 of 2643 Top 14.7% in $100M-$1B
500
Efficiency Ratio
profitability
Value: 51.01%
Peer Median: 64.48%
#500 of 2643 Top 18.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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