Bank of Lincoln County (FDIC certificate #57396) is based in Fayetteville, Tennessee. Its Q2 2026 call report shows $230.1M in total assets and $198.3M in deposits and 3 offices.
Based on its Q2 2026 filing, Bank of Lincoln County scores 86/100, which we describe as very strong. That is higher than 90% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 10th. Its strongest component is loan quality (100/100; 0.01%), and its lowest is funding & liquidity (63/100; 87% loans-to-deposits, 25% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (83 → 86), mostly because the earnings component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 84 |
| Q4 2024 | 84 |
| Q1 2025 | 82 |
| Q2 2025 | 83 |
| Q3 2025 | 85 |
| Q4 2025 | 86 |
| Q1 2026 | 87 |
| Q2 2026 | 86 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.34% |
| Q3 2024 | 12.42% |
| Q4 2024 | 12.43% |
| Q1 2025 | 12.29% |
| Q2 2025 | 12.58% |
| Q3 2025 | 12.64% |
| Q4 2025 | 12.98% |
| Q1 2026 | 13.24% |
| Q2 2026 | 12.23% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.09% |
| Q2 2025 | 0.09% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.01% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.58% |
| Q3 2024 | 1.59% |
| Q4 2024 | 1.68% |
| Q1 2025 | 1.60% |
| Q2 2025 | 1.66% |
| Q3 2025 | 1.72% |
| Q4 2025 | 1.79% |
| Q1 2026 | 1.78% |
| Q2 2026 | 1.94% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $230.1M | 12.23% | 0.01% | 1.94% | 86.6% |
| Q1 2026 | 87 | $232.2M | 13.24% | 0.00% | 1.78% | 86.4% |
| Q4 2025 | 86 | $220.4M | 12.98% | 0.00% | 1.79% | 85.4% |
| Q3 2025 | 85 | $223.6M | 12.64% | 0.00% | 1.72% | 85.5% |
| Q2 2025 | 83 | $221.3M | 12.58% | 0.09% | 1.66% | 88.5% |
| Q1 2025 | 82 | $220.1M | 12.29% | 0.09% | 1.60% | 89.3% |
| Q4 2024 | 84 | $217.9M | 12.43% | 0.00% | 1.68% | 88.0% |
| Q3 2024 | 84 | $213.0M | 12.42% | 0.04% | 1.59% | 87.6% |
| Q2 2024 | 83 | $208.7M | 12.34% | 0.00% | 1.58% | 85.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples Bank of the SouthBank La Follette, TN | 76 out of 100, Strong | $232.0M | 12.4% | 0.85% | vs |
| Farmers State BankBank Mountain City, TN | 73 out of 100, Strong | $232.6M | 12.6% | 0.83% | vs |
| First Farmers & Commercial BankBank Pikeville, TN | 71 out of 100, Strong | $226.4M | 9.9% | 0.07% | vs |
| Security BankBank Newbern, TN | 70 out of 100, Strong | $224.1M | 10.5% | 0.54% | vs |
| First Peoples Bank of TennesseeBank Jefferson City, TN | 75 out of 100, Strong | $219.5M | 11.4% | 0.08% | vs |
| Foundation BankBank Mc Kenzie, TN | 75 out of 100, Strong | $217.9M | 14.7% | 2.39% | vs |
Deposit insurance
Is my money safe at Bank of Lincoln County?
Yes. Bank of Lincoln County is an FDIC-insured institution (FDIC certificate #57396). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.6% of deposits ($48.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.23%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Bank of Lincoln County lists 3 offices in 1 city. Most locations:
- Fayetteville, TN (3)
Identity & history
Profile
- Legal name
- Bank of Lincoln County
- Type
- State-chartered bank
- FDIC certificate #
- 57396
- RSSD ID
- 3128923
- Primary regulator
- FDIC
- Holding company
- Bolc Corp
- Established
- July 22, 2002
- Headquarters
- 307 College St E, Fayetteville, TN 37334
- Website
- www.bolconline.com
- Employees
- 43
Quick answers
Bank of Lincoln County: common questions
Is Bank of Lincoln County FDIC insured?
Yes. Bank of Lincoln County is an FDIC-insured institution (FDIC certificate #57396). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Lincoln County's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Lincoln County ever failed?
There is no failure record for FDIC certificate #57396 in the FDIC failed bank list.
How many branches does Bank of Lincoln County have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fayetteville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Community BankBank Winchester, TN | 90 out of 100, Very strong | $352.6M | 14.6% | 0.38% | vs |
| Heritage South Community Credit UnionCredit union Shelbyville, TN | 88 out of 100, Very strong | $361.9M | 17.1% | 0.75% | vs |
| Redstone Federal Credit UnionCredit union Huntsville, AL | 85 out of 100, Very strong | $8.6B | 13.9% | 0.70% | vs |
| Ascend Federal Credit UnionCredit union Tullahoma, TN | 83 out of 100, Strong | $4.8B | 14.6% | 0.49% | vs |
| North Alabama BankBank Hazel Green, AL | 80 out of 100, Strong | $178.6M | 11.7% | 0.15% | vs |
| First Farmers and Merchants BankBank Columbia, TN | 79 out of 100, Strong | $1.8B | 11.2% | 0.12% | vs |