Lineage Bank
Total assets
$197.7M
▲ +5.0% YoY
Deposits
$170.6M
▼ -1.6% YoY
Loans
$122.6M
▲ +9.0% YoY
Offices
2
RECAP FINANCIAL VENTURES LLC
ROA (annualized)
-5.11%
peers 1.24%
ROE (annualized)
-55.33%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Lineage Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.4% | +0.6 pts |
| Deposit growth (YoY) | -1.6% | +4.0% | -5.5 pts |
| Loan growth (YoY) | +9.0% | +5.6% | +3.4 pts |
| ROA | -5.11% | 1.24% | -6.3 pts |
| ROE | -55.3% | 11.9% | -67.2 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
Profile
- Established
- 1927
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- RECAP FINANCIAL VENTURES LLC
- Specialization
- Commercial Lending Specialization
- Address
- 120 5th Ave N, Franklin, TN, 37064
- County
- Williamson
- Metro area
- Nashville-Davidson-Murfreesboro-Franklin, TN
- Offices
- 2
- FDIC cert #
- 6100
- RSSD ID
- 321152
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $197.7M | $170.6M | $122.6M | $25.1M | $-4.7M | -5.11% | 2.39% | 0.75% |
| Q1 2026 | $186.2M | $166.0M | $109.3M | $18.2M | $-2.3M | -5.25% | 2.33% | 0.00% |
| Q4 2025 | $163.5M | $154.3M | $106.8M | $7.2M | $-7.8M | -4.10% | 1.97% | 0.00% |
| Q3 2025 | $181.3M | $171.7M | $111.3M | $8.1M | $-6.7M | -4.48% | 1.88% | 0.72% |
| Q2 2025 | $188.3M | $173.3M | $112.5M | $8.8M | $-5.3M | -5.18% | 1.76% | 0.71% |
| Q1 2025 | $199.2M | $182.9M | $113.9M | $10.0M | $-3.6M | -6.91% | 1.59% | 0.67% |
| Q4 2024 | $222.7M | $203.4M | $116.0M | $12.8M | $-5.4M | -2.04% | 2.67% | 1.45% |
| Q3 2024 | $214.2M | $190.9M | $120.4M | $16.5M | $-2.8M | -1.37% | 2.97% | 0.15% |
Loan mix (Q2 2026): real estate $110.3M · commercial $13.5M · consumer $1.0M · securities $31.7M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Lineage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -5.11% | 1.24% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -55.3% | 11.9% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.39% | 3.96% | 2th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 260.3% | 62.9% | 100th | |
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% |
Balance sheet
| Ratio | Lineage Bank | 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% |
Capital
| Ratio | Lineage Bank | 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% |
Credit quality
| Ratio | Lineage Bank | 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% |
Franchise
| Ratio | Lineage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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