Bank of Lincoln County
Fayetteville, TN
IDRSSD: 3128923
Total Assets
$220.40M
Latest filing
Total Deposits
$190.96M
Latest filing
Net Interest Margin
5.23%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
064108786FAYETTEVILLE, TN
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Bank of Lincoln County
307 College St E
Fayetteville, TN 37334
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/22/2002FDIC Certificate 363130
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Bank of Lincoln County (Main) | 307 College St E | Fayetteville, TN |
| FAYETTEVILLE BRANCH | 2720 Huntsville Hwy | Fayetteville, TN |
| WEST COLLEGE STREET BRANCH | 202 College St W | Fayetteville, TN |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/22/2002 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 37334 |
| State and County Number | 47103 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 43 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/22/2002 |
| Primary Insurance Agency | DIF |
| Website | http://www.bolconline.com |
| Data Updated | 01/30/2026 |
| CERT | 57396 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $220.40M |
| Total Deposits | $190.96M |
| Total Liabilities | $192.97M |
| Total Equity Capital | $27.43M |
| Net Income | $1.09M |
| Net Loans and Leases | $163.03M |
| Assets Per Employee ($Millions) | $5.25M |
| Bank Premises and Fixed Assets | $4.60M |
| Cash and Balances due from Depository Institutions | $20.89M |
| Deposits Held in Domestic Offices | $190.96M |
Key Performance Ratios
| Return on Assets (ROA) | 1.97% |
| Return on Equity (ROE) | 16.14% |
| Net Interest Margin | 5.23% |
| Efficiency Ratio | 49.24% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.445% |
| Earning Assets to total Assets | 93.52% |
Income and Expense
| Total Interest Income | $3.61M |
| Total Noninterest Income | $243.00k |
| Total Interest Expense | $891.00k |
| Total Noninterest Expense | $1.46M |
| Net Interest Income | $2.72M |
| Pre-tax Net Operating Income | $1.47M |
| Provision for Credit Losses | $36.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.01M |
| Total Liabilities and Capital | $220.40M |
Securities
| Securities | $24.36M |
| Available-for-sale debt securities | $24.36M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Lincoln County?
$220.40M as of the latest filing.
How much are Bank of Lincoln County's total deposits?
$190.96M in total deposits.
Where is Bank of Lincoln County located?
Fayetteville, TN.
What is the Net Interest Margin?
5.23%.
How many domestic offices does it operate?
3.
When was it established?
07/22/2002.
What is the Return on Assets (ROA)?
1.97%.
How much are total loans and leases?
$163.03M (latest filing).
What is the total interest income (latest filing)?
$3.61M.