# LINEAGE BANK
FRANKLIN, TN · FDIC certificate 6100 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $197.7M | |
| Deposits | $170.6M | |
| Loans and leases | $124.8M | |
| Total equity | $25.1M | |
| Loans / deposits | 71.88% (p47 of band) | 73.59% |
| Liquid assets / assets | 36.57% (p58 of band) | |
| Uninsured deposits / deposits | 20.03% (p51 of band) | 19.81% |
| Brokered deposits | 28.57% | |
| Wholesale funding | 28.57% (p98 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.18% (p78 of band) | 11.76% |
| Unrealized securities loss / equity | -16.74% (p27 of band) | -6.57% |
| AOCI / equity | -0.33% (p53 of band) | |
| ROA (annualized) | -5.11% (p1 of band) | 1.17% |
| Net interest margin | 2.39% (p4 of band) | 3.93% |
| Efficiency ratio | 260.32% (p99 of band) | |
| Noncurrent loans | 1.18% (p74 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p54 of band) | |
| Reserve coverage of noncurrent | 148.54% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 99.42% (p94 of band) | |
| Auto loans | $774,000 (0.62% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.6% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 2 | charge-offs p90 |  |
| 2013-12 | 1 |  | charge-offs p90 |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | auto book souring |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 4 | noncurrent p90, uninsured deposits leaving |  |
| 2015-12 | 2 |  | noncurrent p90, uninsured deposits leaving |
| 2016-03 | 1 |  | auto book souring |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | reserve under noncurrent |
| 2019-06 | 2 | reserve under noncurrent, auto book souring |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | reserve under noncurrent |
| 2020-03 | 0 |  | auto book souring |
| 2020-06 | 1 | reserve under noncurrent |  |
| 2020-09 | 1 | auto book souring | reserve under noncurrent |
| 2020-12 | 4 | expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2021-03 | 3 | losing money | auto book souring, charge-offs p90 |
| 2021-06 | 4 | NIM <2.5% |  |
| 2021-09 | 4 | capital falling | NIM <2.5% |
| 2021-12 | 2 |  | reserve under noncurrent, capital falling |
| 2022-03 | 6 | brokered >10%, wholesale funding >15%, charge-offs p90, construction >100% equity |  |
| 2022-06 | 8 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity | charge-offs p90 |
| 2022-09 | 8 |  |  |
| 2022-12 | 8 |  |  |
| 2023-03 | 4 |  | expense ratio p90, losing money, capital falling, AOCI drag >20% of equity |
| 2023-06 | 4 |  |  |
| 2023-09 | 5 | uninsured deposits leaving |  |
| 2023-12 | 7 | capital falling, losing money |  |
| 2024-03 | 7 | expense ratio p90 | uninsured deposits leaving |
| 2024-06 | 7 | uninsured deposits leaving | capital falling |
| 2024-09 | 8 | deposits shrinking, assets shrinking | securities losses >30% of equity |
| 2024-12 | 10 | securities losses >30% of equity, noncurrent p90, reserve under noncurrent | uninsured deposits leaving |
| 2025-03 | 10 | NIM <2.5%, charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2025-06 | 12 | leverage <7%, capital falling |  |
| 2025-09 | 12 |  |  |
| 2025-12 | 12 |  |  |
| 2026-03 | 8 |  | securities losses >30% of equity, charge-offs p90, leverage <7%, capital falling |
| 2026-06 | 5 |  | construction >100% equity, deposits shrinking, assets shrinking |

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

- 2026-08-09 [Recap Financial Ventures, LLC acquires majority interest in Lineage Financial Network, Inc. - Williamson Herald](https://news.google.com/rss/articles/CBMilgJBVV95cUxOQmJibjNfVjJlTU9KZjFzUXdvcTFGQ1V6cHUxWE1lZkpmUDEzQkJHamVEb2ZYSEFSOG12RVVCU2lDSUx4MHc3TmN5UjN3dEQ3WkItUE1ZRVY4YXp6MWU5Tm03M0x6OHl0VGdsbUxUc1B3ZzZFVHFSZzRHb3R5emZqaHBhR0d4YXZmWTFtWWVBblpjZURRWXN5NGVveXNjZ096SkVvNkk4MFVPN0M2am5GNGpMS29UZ3ozQ2R1cU9hdnprU09WOFZ5am9LajVrOXZITHF3UmJqMTFmaWl2aU1OakhKemZEU2p6anZDVnJOT1M1WndJc01XTm0wZWkxRWMwX0NlODdzQ3ZadUR5cGN4dnNCdmJaZw?oc=5) · Williamson Herald
- 2026-08-02 [Lineage, One-Time Partner to Bankrupt Synapse, Hit With New Enforcement Action - Fintech Business Weekly | Jason Mikula](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPbk9wSGhqZ3VqRmp0eURVX3FUTk0zYjRsYkFGMG13Z2YwRjNuRXJXWW96TG5jaFlLSGtSM1RiNmZsY0VyWGlkbVlIS3VBMWJWT0Vob19VVk91NkI1U2ZLT0NCTlBrNjNyTU05cGF6QUVsQVpNSmtpYzNubVNMQkk1d3lnQVFRWjZG?oc=5) · Fintech Business Weekly | Jason Mikula
- 2026-03-18 [Investors pay $30M for controlling stake in Lineage Bank - Nashville Post](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNeDRuYUJCYTNhbVhoRVVrQWdjaEdvLUNpSm1tQ2Z2WHJQNHZ5NUg3Rk5ZamRTVHg5ajhTdmJKRjlXQUdpcE5GRVU0NkdnWXNkM3NGRW12d3UySWt2NVAzcXltLXhDQUszZEh3d0Zzam9KQzNWOTY0RXZJVUV5djQ0YmpjSmUxTk1OU2NMTUFaaE1nM2NmYjdHS21ZWUpxVzh4UkNpMHdfQklPLWtnZjRBQU1XZU16aG9QdGhDaFRTLU16QjhHRTRzXzhDRXRDT1Rq?oc=5) · Nashville Post
- 2026-03-19 [Local investors pay millions to recapitalize Franklin-based Lineage Bank - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxNbUdkUlhOcm1rb3ZtSm1XRUlOQVVOdWdpSzROOHRTRzN4ZVdnano4b1R2YlZoSmhzemNrX1FZbGRhYmNsVkVOZWkxZVF3T29XYnozeWpEanhCaVRrV3lwMUFRR2lPLUw5N0Z1SXdlYWJkTnhfdFRMNGQ0RU8tYWVwT2lsdl94VFI1MC0teWFxT043cWZpWF9rVGlWQXg?oc=5) · The Business Journals
- 2026-07-31 [Lineage Bank names Fleming executive VP, appoints to board of directors - Williamson Herald](https://news.google.com/rss/articles/CBMigAJBVV95cUxOeF90UEFuRE5xRGl4Y01LWnJFYjFOYWN2UjFPOV9vSjFpZ0RpVzZGU1EtU1FKVlNOSWpTRU5oaWZUQUU1a0N6MzRGRVJfYVVKckp4Rk0zcTVxd0RQVGFqT044WTBNMmYtekZjVUtvOFF2dEdaVlNhNEJpSDVxNFJaaVVFMi1wZEpvYy1pLWs2MmthaVRpZmJxTmRGNnMxRlJJelBPeTl2bTI2T0lsaWl1Q1ZZbDlWQWpSdjNsdVVzOWEyWXBMbTVPS1hLaUFfdE1KREVDMkVlMHpBVTRFS2tMTkx3VFJnTFkzdURzaF9IQVNTU25GbEk3dmlhaEo0Z3RZ?oc=5) · Williamson Herald
- 2024-02-28 [Tennessee bank hit with FDIC consent order over BaaS business - Banking Dive](https://news.google.com/rss/articles/CBMivAFBVV95cUxOemJrdmJiZ1hGZXNJOHV1LWlTUVBOZVRuYm91LS00eGdBZUNpX0IzeC1LQVNaS3dyR0x5QW5raWNzVTNjVFlwX1RCNUxWRWVEb2FnNWw3QlZ4ZzlPeE9iZzZNYTR6MExpSTJLeUhibGtxRF80ZmlnaFR5T2F5Q3djcWlPcFMyNHZLeFFlekozcVJlTTRQaGVPb0p5dS1ZUGd0YnZhcVE0d0FCYVhIby1jZU9sVXdhbmxueHZRVg?oc=5) · Banking Dive
- 2025-10-10 [Investors to acquire controlling stake in Franklin’s Lineage Bank - Nashville Post](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNVDlMMkkteC1pMUt5eGFHSlJzZmRlWGxtVEN2TV9qdENLUVNnS0pOTjdmUG4tcmVtX2d6NVJSR3c5OGpKWC16ckRUMUVRQmtiRnZpMlctdzdMLWJ4aTJXNGh1R3FLeXlwQWQzbEtaNC1zbEdYb2RlVTZDZmVkcXd1NzVHdjdtRXU3S1QwcjVOMnhVaWd3MHdkejAybUNxWWhGMHBCbGRQbFNtMWJRTmNucXdvTmt6QThDM05ONmNJdkQwSU5Xbl9PODZKaTJhdkp6dDJUZVhIdllPanY5a1F3VzIyUFBuZ3dad1FETnp4bU45Z3NQ?oc=5) · Nashville Post
- 2022-07-20 [Lineage Bank Expands Mortgage Team Into Middle Tennessee - National Mortgage Professional](https://news.google.com/rss/articles/CBMingFBVV95cUxPY1lWMEVmaTlGNk9JNzFMNnJNZzFtWGg4NkUxTmt3UkNUSkZwU0tsZFdmZ1E1eFZLdlhnSDZrVEYyRlR2enlDS0dXTlYxTDZOV1NZZVM2SXF4Z1lDRFV6a29tOUFWSFFyT2pvUHh1RVEwcDRuY2hDUFhpM2k2UHBGY2lIV0lqU1JSTVZEMmdFV3Y2UEZNU3JQX2ZlTzZFdw?oc=5) · National Mortgage Professional

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6100 (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/20.json (key "6100", 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