Lawrence Bank (FDIC #22451): Bank Stress & Real-Estate Credit Exposure
Lawrence Bank (FDIC Cert #22451): bank stress 64/100, elevated, STABLE over 7 days; parent LAWRENCE BANCSHARES INC.
Lawrence Bank (#22451) lends in 9 counties across 1 state; Lawrence Bank (#22451) reaches 105 ZIP codes: Tennessee 9 counties, 105 ZIPs.
Lawrence Bank (#22451) largest markets: Davidson County, TN (148 branches, 37 ZIPs) (#22451), Rutherford County, TN (40 branches, 20 ZIPs) (#22451), Williamson County, TN (32 branches, 16 ZIPs) (#22451), Montgomery County, TN (135 branches, 15 ZIPs) (#22451), Wilson County, TN (12 branches, 12 ZIPs) (#22451), Robertson County, TN (24 branches, 12 ZIPs) (#22451).
Lawrence Bank (#22451) reports $3.04 billion in total assets; Lawrence Bank (#22451) equity $354.5 million (11.6% of Lawrence Bank (#22451) assets); Lawrence Bank (#22451) domestic deposits $2.62 billion; Lawrence Bank (#22451) net income $16.1 million; Lawrence Bank (#22451) return on assets 1.04%; Lawrence Bank (#22451) return on equity 9.01%; Lawrence Bank (#22451) net interest income $54.6 million; Lawrence Bank (#22451) call report June 30, 2026.
Lawrence Bank (#22451) noncurrent real-estate loans 0.05% of its book; Lawrence Bank (#22451) net charge-offs on real estate 0.18%; Lawrence Bank (#22451) residential charge-offs 0.06%.
Lawrence Bank (#22451) net interest margin 3.94% against an eight-quarter Lawrence Bank (#22451) average of 3.91% (Lawrence Bank (#22451) compression -0.02 points); Lawrence Bank (#22451) real-estate loans 5.0% of equity; Lawrence Bank (#22451) non-residential real estate 6.5% of equity; Lawrence Bank (#22451) rate-exposure score 40/100, Lawrence Bank (#22451) fixed-rate trap 40/100; Lawrence Bank (#22451) risk type credit driven; Lawrence Bank (#22451) rate regime rates elevated, Lawrence Bank (#22451) snapshot October 20, 2026.
Lawrence Bank (#22451) stress score moved from 59.1 on June 22, 2026 to 63.9 on October 20, 2026; Lawrence Bank (#22451) ranged 59.1 to 63.9 over 117 snapshots.
Lawrence Bank (#22451) alerts: 9 counties; top Lawrence Bank (#22451) alert scores: Franklin County, TN 33 (low); Clarksville County, TN 22 (low); Dover County, TN 22 (low); Mount Juliet County, TN 22 (low); Murfreesboro County, TN 22 (low).