TellerScore

Lawrence Bank (FDIC certificate #22451) is based in Nashville, Tennessee. Its Q2 2026 call report shows $3.0B in total assets and $2.6B in deposits and 31 offices.

Based on its Q2 2026 filing, Lawrence Bank scores 69/100, which we describe as moderate. That is higher than 53% of 897 banks with $1 billion – $10 billion. Among 109 banks headquartered in Tennessee, it ranks 61st. Its strongest component is loan quality (94/100; 0.17%), and its lowest is capital cushion (48/100; 9.78%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.78%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.17%
Earnings62/100
Return on assets (annualized): 1.04%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 85.6% · 25.9% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.17%

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 6 points (63 → 69), mostly because the earnings component improved by 16 points.

TellerScore
596570Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202464
Q4 202464
Q1 202562
Q2 202563
Q3 202561
Q4 202559
Q1 202670
Q2 202669
Tier 1 leverage ratio
5.00%7.39%9.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.54%
Q3 20249.18%
Q4 20249.44%
Q1 20259.51%
Q2 20259.46%
Q3 20259.22%
Q4 20259.57%
Q1 20269.75%
Q2 20269.78%
Noncurrent loans
0.00%0.40%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.11%
Q4 20240.23%
Q1 20250.53%
Q2 20250.45%
Q3 20250.45%
Q4 20250.80%
Q1 20260.17%
Q2 20260.17%
Return on assets
0.56%0.88%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.58%
Q3 20240.56%
Q4 20240.60%
Q1 20250.60%
Q2 20250.64%
Q3 20250.58%
Q4 20250.64%
Q1 20261.20%
Q2 20261.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$3.0B9.78%0.17%1.04%85.6%
Q1 202670$3.1B9.75%0.17%1.20%85.8%
Q4 202559$1.6B9.57%0.80%0.64%84.5%
Q3 202561$1.7B9.22%0.45%0.58%80.9%
Q2 202563$1.7B9.46%0.45%0.64%78.2%
Q1 202562$1.6B9.51%0.53%0.60%80.1%
Q4 202464$1.6B9.44%0.23%0.60%81.9%
Q3 202464$1.6B9.18%0.11%0.56%79.0%
Q2 202464$1.1B8.54%0.00%0.58%77.5%

897 peers · $1 billion – $10 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).

Capital ratio9.78%
31st
Total risk-based capital13.77%
52nd
Problem loans0.17%
79th
Net charge-offs0.12%
27th
Return on assets1.04%
33rd
Net interest margin3.94%
64th
Efficiency ratio70.1%
21st
Loans to deposits85.6%
53rd
Uninsured deposits25.9%
68th
Loan-loss reserves0.86%
18th
Texas ratio3.2%
54th

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Home Federal Bank of TennesseeBank Knoxville, TN57 out of 100, Moderate$2.7B17.2%3.92%vs
SouthEast BankBank Farragut, TN36 out of 100, Low$3.6B8.5%2.66%vs
Commercial BankBank Harrogate, TN77 out of 100, Strong$2.4B11.6%0.35%vs
Builtwell BankBank Chattanooga, TN73 out of 100, Strong$2.3B9.7%0.57%vs
Bank of TennesseeBank Kingsport, TN67 out of 100, Moderate$2.3B9.6%0.45%vs
Citizens National BankBank Sevierville, TN82 out of 100, Strong$2.0B11.2%0.04%vs

Deposit insurance

Is my money safe at Lawrence Bank?

Yes. Lawrence Bank is an FDIC-insured institution (FDIC certificate #22451). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.9% of deposits ($679.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.78%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.77% (benchmark: 10%).

Check how much of your own balance is covered

31 locations

Branches

Lawrence Bank lists 28 offices in 15 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Lawrence Bank reported 442 home-loan applications under HMDA (LEI 549300FZ8E0GLIFFYB55): 366 originated ($148,390,000 total), 51 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Lawrence Bank
Former names
Volunteer State Bank; Bank of Portland; Volunteer Bank
Type
State-chartered bank
FDIC certificate #
22451
RSSD ID
774132
Primary regulator
FDIC
Holding company
Lawrence Bancshares Inc
Established
April 15, 1977
Headquarters
3200 West End Ave, Nashville, TN 37203
Employees
334

Quick answers

Lawrence Bank: common questions

Is Lawrence Bank FDIC insured?

Yes. Lawrence Bank is an FDIC-insured institution (FDIC certificate #22451). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Lawrence Bank's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Lawrence Bank ever failed?

There is no failure record for FDIC certificate #22451 in the FDIC failed bank list.

How many branches does Lawrence Bank have?

31 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Nashville

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
First South Financial Federal Credit UnionCredit union Bartlett, TN95 out of 100, Very strong$844.8M30.2%0.22%vs
The Farmers BankBank Portland, TN89 out of 100, Very strong$942.8M15.1%0.53%vs
Heritage South Community Credit UnionCredit union Shelbyville, TN88 out of 100, Very strong$361.9M17.1%0.75%vs
P.I.A.S. Credit UnionCredit union Brentwood, TN87 out of 100, Very strong$4.2M17.4%0.00%vs
First Freedom BankBank Lebanon, TN85 out of 100, Very strong$817.8M12.5%0.01%vs