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Lawrence Bank

IDRSSD: 774132
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 774132 held $3.1B in total assets as of 2026-03-31 (+91.1% quarter-over-quarter). Total loans stood at $2.3B (+97.0% QoQ) and total deposits at $2.6B (+93.9% QoQ).

Overall position is adequate — the composite Health Score is 52/100 (Adequate). Tier 1 / RWA stands at 12.89%, in the below median of peers. Asset quality (NPL ratio) sits in the top quartile of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
52/100
Adequate
Active Alerts
1
0 critical, 0 warning
Total Assets
$3.1B
+91.1% QoQ
Total Loans
$2.3B
+97.0% QoQ
Total Deposits
$2.6B
+93.9% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
12.89%
42th pctile · n=324↑ better
+53 bp QoQ
CET1 / RWA
12.89%
54th pctile · n=398↑ better
+53 bp QoQ
Total RBC / RWA
13.81%
39th pctile · n=324↑ better
+38 bp QoQ
Tier 1 Leverage Ratio
12.89%
52th pctile · n=398↑ better
+53 bp QoQ

Liquidity

Cash / Assets
3.75%
33th pctile · n=398↑ better
+218 bp QoQ
Loans / Deposits
85.83%
47th pctile · n=396↓ better
+134 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.17%
16th pctile · n=398↓ better
-63 bp QoQ
NPA / Assets
0.41%
45th pctile · n=398↓ better
-32 bp QoQ
Texas Ratio (regulatory)
4.00%
51th pctile · n=398↓ better
-316 bp QoQ
Net Charge-Offs / Avg Loans
0.15%
79th pctile · n=398↓ better
+7 bp QoQ
ALLL Coverage of NPL
500.28%
81th pctile · n=398↑ better
+37165 bp QoQ

Earnings

Net Interest Margin
5.21%
96th pctile · n=398↑ better
+115 bp QoQ
Return on Assets
1.60%
77th pctile · n=398↑ better
+77 bp QoQ
Return on Equity
13.30%
64th pctile · n=398↑ better
+654 bp QoQ
Efficiency Ratio
66.06%
71th pctile · n=398↓ better
-471 bp QoQ
Pre-tax NOI / Avg Assets
1.71%
63th pctile · n=398↑ better
+82 bp QoQ

Funding

Brokered / Deposits
0.89%
45th pctile · n=396↓ better
+1 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.64%
38th pctile · n=398↓ better
-30 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
8.98%
28th pctile · n=398↑ better
+16 bp QoQ
AFS Securities / Assets
8.81%
35th pctile · n=398↑ better
-1 bp QoQ
HTM Securities / Assets
0.00%
25th pctile · n=398↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 01:16:41 UTC