# LAWRENCEBURG FEDERAL BANK
LAWRENCEBURG, TN · FDIC certificate 29186 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $95.2M | |
| Deposits | $74.8M | |
| Loans and leases | $80.0M | |
| Total equity | $18.2M | |
| Loans / deposits | 106.64% (p95 of band) | 73.59% |
| Liquid assets / assets | 12.38% (p7 of band) | |
| Uninsured deposits / deposits | 9.85% (p13 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 18.43% (p88 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 0.73% (p27 of band) | 1.17% |
| Net interest margin | 3.68% (p37 of band) | 3.93% |
| Efficiency ratio | 68.15% (p56 of band) | |
| Noncurrent loans | 0.41% (p52 of band) | 0.36% |
| Net charge-offs (annualized) | 0.08% (p85 of band) | |
| Reserve coverage of noncurrent | 58.28% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 28.26% (p62 of band) | |
| Auto loans | $1.5M (1.90% of loans; DQ 4.60%, NCO 0.08%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.4% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 3 | uninsured deposits leaving |  |
| 2012-09 | 4 | liquid assets <10%, capital falling | uninsured deposits leaving |
| 2012-12 | 4 |  |  |
| 2013-03 | 3 |  | capital falling |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | capital falling |  |
| 2014-03 | 3 |  | liquid assets <10% |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 | liquid assets <10% | capital falling |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 4 | uninsured deposits leaving |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 3 |  | uninsured deposits leaving |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | capital falling |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 | uninsured deposits leaving | capital falling |
| 2017-12 | 3 |  | uninsured deposits leaving |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | uninsured deposits leaving |  |
| 2018-09 | 3 |  | uninsured deposits leaving |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | capital falling |  |
| 2019-12 | 4 | noncurrent p90 | liquid assets <10% |
| 2020-03 | 3 |  | noncurrent p90 |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 | noncurrent p90 | capital falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | noncurrent p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | capital falling |  |
| 2021-12 | 2 |  | capital falling |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | reserve under noncurrent |
| 2022-12 | 4 | liquid assets <10%, deposits shrinking, uninsured deposits leaving |  |
| 2023-03 | 3 |  | uninsured deposits leaving |
| 2023-06 | 3 | reserve under noncurrent | deposits shrinking |
| 2023-09 | 4 | capital falling |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | liquid assets <10% |
| 2025-03 | 5 | liquid assets <10%, charge-offs p90 |  |
| 2025-06 | 4 |  | charge-offs p90 |
| 2025-09 | 4 |  |  |
| 2025-12 | 3 |  | liquid assets <10% |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

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

- 2024-10-21 [Lawrenceburg Federal Celebrating 90 Years - Main Street Media of Tennessee](https://news.google.com/rss/articles/CBMipwFBVV95cUxQTHhiX2stVEhNOWVfRzYteXBxYlZzekNpTmJGRGJjSUlEUXlIRUU5aVozMjAtMXhqWHgzbTV6bEk1WmxUQjFjRHFyS1dyR3NKWWx5LWJlRzJpRVd6Y3Y5RWpZTWZ2Z2RMM1duaUNuM0kzbEdsVzR6X2kwUm94YkZ1YlJrdzVyYkpWbGhfZFIzQXNTUmpWQWg4Tk1SMURHR0s4UUt3UGtTSQ?oc=5) · Main Street Media of Tennessee
- 2025-07-11 [Obituaries: July 11, 2025 - Murray Ledger and Times](https://news.google.com/rss/articles/CBMiswFBVV95cUxNb0tCNGxNWmVvN3B5ZzVGeUswd2ZBUTRtY3p0elRvR3NkajdzRWRScVhJVTVrMnZMdXNEaUVycGRvVV9YbnRwbWUxTHdxeGxBNjBScFkxdFRmQVppWjBGZjRLMzhtRXhiUTFfUzlRQllsRV8yU2tmQUx0YzFWY2E5U3FMTWFkaTZoNmhENW1ZeHRYX0xaRmZhSDduV3d6QXd2ejNVLVYyelY3ZTJEd2JST2xOcw?oc=5) · Murray Ledger and Times
- 2026-05-20 [Public Notices Week of May 20, 2026 - Main Street Media of Tennessee](https://news.google.com/rss/articles/CBMilgFBVV95cUxQQ2QzUXZUcU5DVHJoZnFhVnM2R1pvSmp6OG1LQmdwd1ppZG4yM29SOUpBdFNjZWFwMDZWUUtjbjh4YlhLQldyNE5rRDNKVURGaWh3UG9MNkFvYkFQVnROVzFLUkZvc3pRSlA5T3JTeEpPYlNVR0RoOFMwd19jeDBUQTBBOGpTUmtTOVVSYUt2ZFowM21NbVE?oc=5) · Main Street Media of Tennessee
- 2015-10-26 [Resident Arrested For Failing To Register As A Sex Offender - Lawrenceburg Now](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBWaHMzTGhpNXVrS091Z3JHaVMwdHEzN2ViQ1BEUDVrVC1ydG1pUUtMNDl0Ri1XMFp4NTZqXzd2SEJMbjVzN0ZBbC1xaU5fZFBFeC1NOXgtdFNwM3VTaTdkNw?oc=5) · Lawrenceburg Now

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29186 (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/2.json (key "29186", 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