# BANK OF LINCOLN COUNTY FAYETTEVILLE, TN · FDIC certificate 57396 · asset band <$300M · latest filing 2026-06 · live **Verdict on the desk:** this could be *fortress*. 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 | $230.1M | | | Deposits | $198.3M | | | Loans and leases | $173.3M | | | Total equity | $29.6M | | | Loans / deposits | 86.59% (p74 of band) | 73.59% | | Liquid assets / assets | 20.14% (p22 of band) | | | Uninsured deposits / deposits | 24.63% (p67 of band) | 19.81% | | Brokered deposits | 2.17% | | | Wholesale funding | 2.17% (p60 of band) | | | FHLB advances / assets | 0.00% | | | Tier 1 leverage | 12.23% (p55 of band) | 11.76% | | Unrealized securities loss / equity | -6.46% (p51 of band) | -6.57% | | AOCI / equity | -0.04% (p68 of band) | | | ROA (annualized) | 1.94% (p84 of band) | 1.17% | | Net interest margin | 5.33% (p94 of band) | 3.93% | | Efficiency ratio | 51.01% (p15 of band) | | | Noncurrent loans | 0.01% (p25 of band) | 0.36% | | Net charge-offs (annualized) | 0.03% (p75 of band) | | | Reserve coverage of noncurrent | 8242.11% | | | Real estate % of loans | 84% | | | Construction % of loans | 73.28% (p89 of band) | | | Auto loans | $1.4M (0.80% of loans; DQ 0.36%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | 2.7% | | | Employees | 43 | | ## 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 | 2 | noncurrent p90 | | | 2011-12 | 3 | losing money, charge-offs p90 | noncurrent p90 | | 2012-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent, losing money, charge-offs p90 | | 2012-06 | 1 | reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving | | 2012-09 | 1 | | | | 2012-12 | 2 | noncurrent p90 | | | 2013-03 | 1 | | noncurrent p90 | | 2013-06 | 2 | noncurrent p90 | | | 2013-09 | 2 | | | | 2013-12 | 2 | | | | 2014-03 | 2 | charge-offs p90 | noncurrent p90 | | 2014-06 | 1 | | reserve under noncurrent | | 2014-09 | 0 | | charge-offs p90 | | 2014-12 | 1 | charge-offs p90 | | | 2015-03 | 1 | | | | 2015-06 | 1 | | | | 2015-09 | 0 | | charge-offs p90 | | 2015-12 | 0 | | | | 2016-03 | 0 | | | | 2016-06 | 0 | | | | 2016-09 | 0 | | | | 2016-12 | 0 | | | | 2017-03 | 2 | capital falling, construction >100% equity | | | 2017-06 | 0 | | capital falling, construction >100% equity | | 2017-09 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity | | | 2017-12 | 2 | | construction >100% equity | | 2018-03 | 4 | deposits shrinking, uninsured deposits leaving | | | 2018-06 | 1 | construction >100% equity | noncurrent p90, reserve under noncurrent, deposits shrinking, uninsured deposits leaving | | 2018-09 | 2 | uninsured deposits leaving | | | 2018-12 | 2 | | | | 2019-03 | 1 | | uninsured deposits leaving | | 2019-06 | 1 | | | | 2019-09 | 1 | | | | 2019-12 | 1 | | | | 2020-03 | 1 | | | | 2020-06 | 1 | | | | 2020-09 | 2 | capital falling | | | 2020-12 | 1 | | capital falling | | 2021-03 | 1 | | | | 2021-06 | 0 | | construction >100% equity | | 2021-09 | 0 | | | | 2021-12 | 0 | | | | 2022-03 | 1 | construction >100% equity | | | 2022-06 | 1 | | | | 2022-09 | 1 | | | | 2022-12 | 0 | | construction >100% equity | | 2023-03 | 0 | | | | 2023-06 | 0 | | | | 2023-09 | 0 | | | | 2023-12 | 0 | | | | 2024-03 | 1 | construction >100% equity | | | 2024-06 | 1 | | | | 2024-09 | 1 | | | | 2024-12 | 1 | | | | 2025-03 | 1 | | | | 2025-06 | 1 | | | | 2025-09 | 0 | | construction >100% equity | | 2025-12 | 0 | | | | 2026-03 | 0 | | | | 2026-06 | 0 | | | ## In the news (Google News, unfiltered, newest first; check the city) - 2026-03-09 [Trump issues fraud order after bank execs push national strategy - Banking Dive](https://news.google.com/rss/articles/CBMimAFBVV95cUxQOFR3Z3NFbEF2TW1JQVc4RjhJUzRWRG94NE5NV0VBRjJKMzFtNlprZS1GTGVELVA1cGlCanF0Y2lRUHZOeklyZ2dMZ1djX3ZkaE5kaHFId1FSeXpqQUE1YTFHZFBXUndwaWZ2YmpiaXVtSWRXdC1vMmlxNFBVMWNsMDlXOFNJLU9wbjlkdG9pMVhtLVVLeGpUZg?oc=5) · Banking Dive - 2025-06-22 [Only on News 19: Lincoln County mourns loss of 22-month-old to car crash - WHNT.com](https://news.google.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?oc=5) · WHNT.com - 2021-05-27 [Tennessee high school graduate killed in tragic lawn mowing accident - WEAU](https://news.google.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?oc=5) · WEAU - 2023-12-29 [Billy Joe Evans Obituary (2023) - Fayetteville, TN - Higgins Funeral Home - Fayetteville - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE1ZdHh5cnRnR3FOaDBRaFFMSV90TFdUZ0lWZzdWamtTdUhONFVfZ1JMWDBpZlQtdGlsWmt3dUZzdTVmd0x1MDB1Wkstc282N3drM01FY190eXR3azVlclVYbzBoQXhwRzRZV3BNR1NlTTFpVkNCSWg1R0NkYk9ObUU?oc=5) · legacy.com - 2025-05-21 [Toddler in critical care after Mother’s Day I-75 crash dies - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMinAFBVV95cUxPb3FVWWpEUUk0Q0VUQTF2X1U0Q1M5cWJDUU04d0x2V3k5VTdTb293S0luRXJaT2F6Nl9ray1OcEMzV1FseGdac0FIMmpsV1ZaWllYaklGdnVlX2NwVE5sN1M2bG0xc0VGcXJLU0VhYnFLV0haZWx1b2NaUU5DeE9XRG1Tb1NNM2dCOENrU3hDWldDRkVKaGVEdWU0RWM?oc=5) · Chattanooga Times Free Press - 2012-03-03 [Mrs. Alma Roberson Obituary Mar 3, 2012 - Williamson Memorial Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMib0FVX3lxTE1GM0NlaEdlUW03ejBYSDk3X1hIdldwdW9ZblFoUGtCMV9DU1p1cExZM2F4cWVhSHRSZWM0ZG13eGFjaHN1NHJicmVtNlpZWjU1YUdRNjdiSVRZWVZaWHRLNGN2dFA1ckZfbFBkVkJPSQ?oc=5) · Williamson Memorial Funeral Home & Cremation Services - 2025-05-19 [Lane Garrett Smith Obituary (2025) - Fayetteville, TN - Higgins Funeral Home - Fayetteville - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTFBfR0NOMkhZYmhLVzhLRU5rRnJVZGdiWEd6MTh4Q2hHcEVMQjVqSU1SQ0pUTHhJSWlqWUN2WkRSVVp5Sk5lTnhMU3VPVkVMR1NjbEw4bFJoZG5nVGVwdEJKSGFKbTA0cTNYTV9hekFHajdsRjhBVVFpWVBzYjlDUQ?oc=5) · legacy.com - 2025-05-21 [Sawyer Gene Smith Obituary (2025) - Fayetteville, TN - Higgins Funeral Home - Fayetteville - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPY0tXQ1FrWlZBUzByZ3BkSG5NUWdvXzFWMGdxTGRjN3VaaTk5eW9zQklTa2pnWjd0cHJOR3VTZ1NrU3pRSDd4U1NabHRLYTA1SjdPWTgyd3F5ZzIzNm9NaTRFcmpjZGxwZFB2WHZuXzlYb1pDcEpvZGFOSkRRdjVkNQ?oc=5) · legacy.com ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=57396 (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/52.json (key "57396", 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide