BlastPoint's Banking Scorecard
Lawrenceburg Federal Bank
Micro
Specialty: Mortgage
TN
FDIC cert 29186
Designations: ✓ Community bank ✓ Mutual
Lawrenceburg, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Lawrenceburg Federal Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 33.41% above tier
- - Non-Interest-Bearing Deposit Share 22.05% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$94.2M
+8.6% YoY
+3.4% QoQ
|
-$123.3M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$80.0M
+8.7% YoY
+0.6% QoQ
|
-$59.2M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$74.1M
+9.8% YoY
+3.9% QoQ
|
-$109.5M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
0.58%
+177.7% YoY
+11.0% QoQ
|
-0.50% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
3.48%
+12.2% YoY
+2.6% QoQ
|
-0.37% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
73.94%
-17.5% YoY
-3.4% QoQ
|
+6.22% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
0.26%
-77.0% YoY
-17.1% QoQ
|
-0.38% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
107.94%
-1.0% YoY
-3.2% QoQ
|
+33.41% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.34%
-9.7% YoY
-73.5% QoQ
|
-22.05% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.45%
-52.9% YoY
-11.9% QoQ
|
0 |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.24%
+124.7% YoY
+53.3% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
107.94%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.34%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
58
58th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
34
34th pctile
Total Loans
Current: $80.0M · Tier avg: $139.2M
33
33th pctile
Net Interest Margin
Current: 3.48% · Tier avg: 3.85%
31
31th pctile
Efficiency Ratio
Current: 73.94% · Tier avg: 67.73%
29
29th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
22
22th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.08%
21
21th pctile
Total Assets
Current: $94.2M · Tier avg: $217.5M
19
19th pctile
Total Deposits
Current: $74.1M · Tier avg: $183.7M
4
4th pctile
Loan-to-Deposit Ratio
Current: 107.94% · Tier avg: 74.53%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.34% · Tier avg: 22.39%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.34% · Tier avg: 22.39%
4
4th pctile
Loan-to-Deposit Ratio
Current: 107.94% · Tier avg: 74.53%
19
19th pctile
Total Deposits
Current: $74.1M · Tier avg: $183.7M
21
21th pctile
Total Assets
Current: $94.2M · Tier avg: $217.5M
22
22th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.08%
29
29th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
31
31th pctile
Efficiency Ratio
Current: 73.94% · Tier avg: 67.73%
33
33th pctile
Net Interest Margin
Current: 3.48% · Tier avg: 3.85%
34
34th pctile
Total Loans
Current: $80.0M · Tier avg: $139.2M
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.64%