Lawrence Bank: how it compares with its peers
Against 13 TN banks with half to twice its assets, Lawrence Bank's strongest measure in Q2 2026 is net interest margin (3.94% vs. a 3.80% peer median). Its weakest relative measure is return on assets (1.04% vs. 1.61%).
| Measure | Lawrence Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.04% | 1.61% | Bottom third Ahead of 15% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.94% | 3.80% | Top third Ahead of 69% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.06% | 54.31% | Bottom third Ahead of 15% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.1M | $8.0M | Top third Ahead of 69% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.64% | 81.41% | Context |
What it means for lending operations
Its efficiency ratio of 70.06% is above the 54.31% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Home Federal Bank of Tennessee Knoxville, TN · $2.73B
- SouthEast Bank Farragut, TN · $3.58B
- Commercial Bank Harrogate, TN · $2.36B
- Builtwell Bank Chattanooga, TN · $2.28B
- Bank of Tennessee Kingsport, TN · $2.25B
- Citizens National Bank Sevierville, TN · $1.96B
Questions about Lawrence Bank
How big is Lawrence Bank?
Lawrence Bank, established in 1977, is headquartered in Nashville, TN. It reported $3.04B in total assets in its Q2 2026 FDIC call report and operates 31 offices.
What is Lawrence Bank's return on assets?
1.04% annualized in Q2 2026, against a 1.61% median for 13 TN banks with half to twice its assets, ahead of 15% of them.
What is Lawrence Bank's efficiency ratio?
70.06% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 54.31%, and lower is better.
Is Lawrence Bank growing its loans?
Net loans grew 100.9% over the year to Q2 2026, while deposits grew 83.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Tennessee bank ranked.