# LAWRENCE BANK
NASHVILLE, TN · FDIC certificate 22451 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.04B | |
| Deposits | $2.62B | |
| Loans and leases | $2.26B | |
| Total equity | $358.8M | |
| Loans / deposits | 85.64% (p47 of band) | 87.10% |
| Liquid assets / assets | 16.60% (p30 of band) | |
| Uninsured deposits / deposits | 25.92% (p32 of band) | 30.76% |
| Brokered deposits | 0.78% | |
| Wholesale funding | 1.32% (p24 of band) | |
| FHLB advances / assets | 0.12% | |
| Tier 1 leverage | 9.78% (p31 of band) | 10.50% |
| Unrealized securities loss / equity | -7.94% (p49 of band) | -7.75% |
| AOCI / equity | -0.57% (p31 of band) | |
| ROA (annualized) | 1.04% (p33 of band) | 1.26% |
| Net interest margin | 3.94% (p64 of band) | 3.70% |
| Efficiency ratio | 70.06% (p79 of band) | |
| Noncurrent loans | 0.17% (p21 of band) | 0.51% |
| Net charge-offs (annualized) | 0.09% (p74 of band) | |
| Reserve coverage of noncurrent | 492.85% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 64.41% (p67 of band) | |
| Auto loans | $4.2M (0.19% of loans; DQ 3.61%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 83.4% | |
| Employees | 334 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2012-03 | 2 | deposits shrinking | loans exceed deposits, liquid assets <10% |
| 2012-06 | 3 | loans exceed deposits, liquid assets <10% | deposits shrinking |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 | assets shrinking | reserve under noncurrent |
| 2014-03 | 2 | loans exceed deposits, liquid assets <10% | assets shrinking |
| 2014-06 | 2 | capital falling | loans exceed deposits |
| 2014-09 | 2 | loans exceed deposits | capital falling |
| 2014-12 | 1 |  | loans exceed deposits |
| 2015-03 | 4 | loans exceed deposits, wholesale funding >15%, capital falling |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 3 |  | capital falling |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | wholesale funding >15% |
| 2016-06 | 3 | wholesale funding >15% |  |
| 2016-09 | 5 | capital falling, construction >100% equity |  |
| 2016-12 | 4 |  | capital falling |
| 2017-03 | 2 |  | loans exceed deposits, wholesale funding >15% |
| 2017-06 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2017-09 | 5 | capital falling |  |
| 2017-12 | 5 | reserve under noncurrent | capital falling |
| 2018-03 | 5 |  |  |
| 2018-06 | 6 | capital falling |  |
| 2018-09 | 5 |  | capital falling |
| 2018-12 | 5 |  |  |
| 2019-03 | 3 | expense ratio p90 | construction >100% equity, loans exceed deposits, wholesale funding >15% |
| 2019-06 | 4 | loans exceed deposits, capital falling | liquid assets <10% |
| 2019-09 | 0 |  | reserve under noncurrent, expense ratio p90, loans exceed deposits, capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | deposits shrinking, assets shrinking |  |
| 2023-09 | 0 |  | deposits shrinking, assets shrinking |
| 2023-12 | 1 | capital falling |  |
| 2024-03 | 1 | reserve under noncurrent | capital falling |
| 2024-06 | 0 |  | reserve under noncurrent |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 2 | capital falling, expense ratio p90 |  |
| 2025-12 | 0 |  | capital falling, expense ratio p90 |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-07 [FM Bank & Trust Will Add $3B in Assets With Tennessee Bank Acquisition - Arkansas Business](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOMUx0bXpabUx4SmoydlA2R3J1U2xBQjhrV2JIS3NaOGxVM1V2NndYSlpyY2pUNjJxdUd2WjhRMFlMR3FySWtsYnZTUGFjdEx0LVNLbkJhNEpWY1NvcjJOZW5oblFnNV8zcFFSeGhBWlQzNkRpcWc0SVhCUHJ6eHFuOE9fd09TeHpYT3dPVUM5dm9QOXI5cGRqUURzc1Y3eThqdVlNdlNlZkVBNmc?oc=5) · Arkansas Business
- 2026-09-01 [Gaylon Lawrence Jr. eyes more consolidation of his bank portfolio - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxNRm5mVGlVZFVlWmFnMzBuMnEwbWcwYmZCNWphbHJ6ZldsUW5SX3NVdnFRYlM2UGYtQ19Wc3UweS1DVHBxMmF3X1M4SnZEYjNFRmV1MnZPUVp4NnVIT0VkbDJPZmZERmRqQUxDZG5kN1ozUjJKNTRHbU4xZFFOdFI4VmtWT0tLSGxPR0laVmpNTGV0UkdocjhiU2d4ajlMdUxrMnp5THFKNlJKcmpZdEE?oc=5) · The Business Journals
- 2026-06-16 [Volunteer, F&M Banks merge under Lawrence Bank in Middle TN - The Daily News Journal](https://news.google.com/rss/articles/CBMisgFBVV95cUxOYTFqV3MyeVQ4Nmx4X1Vpa0Y0VWdPQXd0TUwtMi16bFN1cU83Ymg1WlRwemF5NTM1M2pXMHNTck52T0RDdmluVmpWQk9vR1FsQW1zYUZvWHBYOWprOWZDdkFfcklfcDMzYXZVaHk5c18zNVVBaXpHZ1V2TEV3RWZQOGtPcTRZU1BfcXRTUzFtekJfS0dfS0l1Ql9WRHpWbkhscERLOGxsazBjVE5OdUNHWFZB?oc=5) · The Daily News Journal
- 2026-01-02 [F&M Bank, Volunteer Bank align under Lawrence Bank charter, preserving local brands - Clarksville Now](https://news.google.com/rss/articles/CBMitAFBVV95cUxPOXJXaFFoTTBERVA3NzFxeEVlanlmQnE4WllhNEdER3VDaXFtUEZHb0U3dWh4eHh5XzUydlBlMDU2b2RWd0s0NEsyWTRCX1NmWFJkdHl2VDJ5YXpTSk9TdTZHazhoaDdkQXV4RWJCNXRqdFJUUjZYYmlKVV9TZDFVY2VIdzdiYUxNdXRveHFmcl80cVdzREd1aFF0bFdueld5SnZhbkdUenJhdGZMTFZJUXFBSDc?oc=5) · Clarksville Now
- 2026-07-23 [Leader named at Gaylon Lawrence Jr.'s last-standing TN bank following merger - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOa1E0anFXVlpoUWZoRF93bm02dllrb29zdWdvRVhuMnF1NzNJSnpzSlZsRkRVSW9zYklla1R2X2hydHI1NExZb24xYUJzZl9zQ2pZcURUc2h6ako2ZmZWdEk1UTRQUFFGdUQ0RkRreXRSaUNBRjlzN0pRWVNmb2NQQVRldlVDbGlHY3Y0bkJNcTZXZWZBNlF1REhJZUFJSksyQ0I1OWdsZw?oc=5) · The Business Journals
- 2026-01-05 [Volunteer Bank, F&M Bank Align Under Lawrence Bank Charter, Preserving Local Brands - The Business Journals](https://news.google.com/rss/articles/CBMihgFBVV95cUxPVWhMVjdJWUtCWWR6bzdsQld4ZHFOaktWR0ZQN193OHVrZ19yeHFuUkxvd1Z2OFphYXhaaVZKd0hwS1h0MUxHQlBGZC10UC1WaWdTTVp3eWJRc2FkWVRvRlZEM3VMbFBwZDdWbnEzcU5LQzF2TmgzUnJmSUxMcDVCMnMyQ1dxdw?oc=5) · The Business Journals
- 2015-11-16 [All cash: Clarksville bank bought for nearly $85 M - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNSWpLaWtBWDhXTENqazBXR1pyQUZBR2FtbC1URHJiOWRkRFlQUkJqWlhiOUlQMll0dGRxY3lMaWh0MENjTFJSRWs3b0xBZE0yaTRGTWwycUxRZjVIeHBpNTFzNEpuSW9HUXROMHFwZUQ0NFF1VHp1YWRfTkpXQWV3aE56S0h6ck9IcXo4VWVlelJ6N01zMEdvLXhwX0NhazlEQVBGX3B3?oc=5) · The Business Journals
- 2023-03-17 [The Boss: Want to hear Sammy Stuard’s auction voice? Support a good cause - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPaGlvVjc5ZjFoOTZOTkFySjZscHliZzFCV1VSSlQ2Vlp1MDdJOUZ6Y196bklVWVRPYlVJYl96eW0wWmtjS0MtNFpKaEQ1OEkyUHlERjhPMFN5WUcyUVdDMXJDdXBKemJINDNDZWpETmpsRUVkRzd1MlQyNFU0MnpLSE96VE10TjYxTE1iWEI1NXRRdUxfaDU5dk5SdDFGLTdLSE1PcWRYbEw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22451 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/51.json (key "22451", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide