Side-by-side · Q2 2026 data
Lawrence Bank vs Home Federal Bank of Tennessee
Metric by metric
| Measure | Lawrence Bank | Home Federal Bank of Tennessee |
|---|---|---|
| TellerScore | 69 (stronger) | 57 |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 94 (stronger) | 0 |
| Earnings | 62 (stronger) | 33 |
| Funding & liquidity | 63 | 83 (stronger) |
| Problem-loan coverage | 94 (stronger) | 75 |
| Peer percentile | 53rd | 16th |
| Total assets | $3.0B | $2.7B |
| Deposits / shares | $2.6B | $2.1B |
| Capital ratio | 9.78% | 17.16% (stronger) |
| Problem loans | 0.17% (stronger) | 3.92% |
| Net charge-offs | 0.12% | 0.04% (stronger) |
| Return on assets | 1.04% (stronger) | 0.31% |
| Loans ÷ deposits | 85.6% | 69.8% (stronger) |
| Uninsured deposits | 25.9% | 21.2% (stronger) |
| Offices | 28 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.8% | — |
Lawrence Bank has the higher TellerScore (69 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Lawrence Bank leads on 3 and Home Federal Bank of Tennessee on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.