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.

From Q2 2025 to Q2 2026, the score rose 15 points (52 → 67), mostly because the capital cushion component improved by 82 points.

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

Yes. Lineage Bank is an FDIC-insured institution (FDIC certificate #6100). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.0% of deposits ($34.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.18%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.17% (benchmark: 10%).

Check how much of your own balance is covered

Lineage Bank lists 2 offices in 2 cities. Most locations:

• Atwood, TN (1)
• Franklin, TN (1)

All branch addresses and map

In 2025, Lineage Bank reported 9 home-loan applications under HMDA (LEI 5493000M1X0MV8KPL945): 6 originated ($4,020,000 total), 1 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.3%, 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.

Legal name

Lineage Bank

Former names

Citizens Bank & Trust Company

Type

State-chartered bank

FDIC certificate #

6100

RSSD ID

321152

Primary regulator

FDIC

Holding company

Recap Financial Ventures Llc

Established

February 5, 1927

Headquarters

120 5th Ave N, Franklin, TN 37064

Website

www.lineagebank.com

Employees

33