Bank of Lincoln County: how it compares with its peers
Against 46 TN banks with half to twice its assets, Bank of Lincoln County's strongest measure in Q2 2026 is net interest margin (5.33% vs. a 4.01% peer median). Its weakest relative measure is assets per employee ($5.4M vs. $6.0M).
| Measure | Bank of Lincoln County | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.94% | 0.96% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.33% | 4.01% | Top third Ahead of 96% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.01% | 66.48% | Top third Ahead of 87% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $6.0M | Bottom third Ahead of 26% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.59% | 81.45% | Context |
What it means for lending operations
Its efficiency ratio of 51.01% is better than the 66.48% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Peoples Bank of the South La Follette, TN · $232M
- Farmers State Bank Mountain City, TN · $233M
- First Farmers & Commercial Bank Pikeville, TN · $226M
- Security Bank Newbern, TN · $224M
- First Peoples Bank of Tennessee Jefferson City, TN · $220M
- Foundation Bank Mc Kenzie, TN · $218M
Questions about Bank of Lincoln County
How big is Bank of Lincoln County?
Bank of Lincoln County, established in 2002, is headquartered in Fayetteville, TN. It reported $230M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Bank of Lincoln County's return on assets?
1.94% annualized in Q2 2026, against a 0.96% median for 46 TN banks with half to twice its assets, ahead of 93% of them.
What is Bank of Lincoln County's efficiency ratio?
51.01% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 66.48%, and lower is better.
Is Bank of Lincoln County growing its loans?
Net loans grew 0.5% over the year to Q2 2026, while deposits grew 2.7%.
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.