| Metric | Bank of Lincoln County | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.4% | -0.4 pts |
| Deposit growth (YoY) | +2.7% | +4.0% | -1.2 pts |
| Loan growth (YoY) | +0.5% | +5.6% | -5.1 pts |
| ROA | 1.94% | 1.24% | +0.7 pts |
| ROE | 15.5% | 11.9% | +3.7 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $230.1M | $198.3M | $171.7M | $29.6M | $2.2M | 1.94% | 5.33% | 0.01% |
| Q1 2026 | $232.2M | $201.5M | $174.1M | $28.3M | $1.0M | 1.78% | 5.24% | 0.00% |
| Q4 2025 | $220.4M | $191.0M | $163.0M | $27.4M | $3.9M | 1.79% | 5.05% | 0.00% |
| Q3 2025 | $223.6M | $193.6M | $165.4M | $26.8M | $2.8M | 1.72% | 4.98% | 0.00% |
| Q2 2025 | $221.3M | $193.0M | $170.9M | $25.6M | $1.8M | 1.66% | 4.90% | 0.07% |
| Q1 2025 | $220.1M | $192.5M | $171.8M | $25.1M | $877K | 1.60% | 4.80% | 0.07% |
| Q4 2024 | $217.9M | $190.9M | $168.0M | $24.9M | $3.6M | 1.68% | 4.78% | 0.00% |
| Q3 2024 | $213.0M | $186.7M | $163.6M | $24.8M | $2.5M | 1.59% | 4.74% | 0.03% |
Loan mix (Q2 2026): real estate $146.1M · commercial $13.4M · consumer $3.2M · securities $23.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Lincoln County | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.94% | 1.24% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 15.5% | 11.9% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 5.33% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.0% | 62.9% | 18th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Lincoln County | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Lincoln County | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank of Lincoln County | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Lincoln County | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Lincoln County | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 1 county across 1 state (+0 vs 2025) · $198.3M branch deposits. Biggest market: Lincoln, TN, ranked 2nd with 19.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lincoln, TN | 3 | $198.3M | 19.61% | 2nd |
Tennessee: 142nd with 0.07% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (19 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).