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Acquisition dossier · FDIC #6100

Lineage Bank

Franklin, TN · Williamson County · FDIC

$186.2M assets2 officesRECAP FINANCIAL VENTURES LLC6/6 core metrics available
Acquisition score94Signal: Earnings pressure

Where this bank sits among peers

1,574 same-period banks with 0.5× to 2× this bank’s assets. Selected bank excluded.

View metric table ↓
Return on assets1,571 reported
0124248Up to 0.34%: 141 banks0.34% 0.57%: 104 banks0.57% 0.8%: 172 banks0.8% 1.03%: 248 banks1.03% 1.26%: 201 banks1.26% 1.49%: 211 banks1.49% 1.73%: 171 banks1.73% 1.96%: 117 banks1.96% 2.19%: 76 banksFrom 2.19%: 130 banks≤0.11%≥2.42%
Median 1.18%Selected bank -5.25% (outside central range)
Distribution data
First and last bins include all tail observations.
RangeBanks
< 0.34%141
0.34% to < 0.57%104
0.57% to < 0.8%172
0.8% to < 1.03%248
1.03% to < 1.26%201
1.26% to < 1.49%211
1.49% to < 1.73%171
1.73% to < 1.96%117
1.96% to < 2.19%76
≥ 2.19%130

Full range: -8.75% to 20.53%. 3 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 0 / 100. Larger values are not necessarily better.

Net interest margin1,574 reported
0113226Up to 2.95%: 160 banks2.95% 3.21%: 119 banks3.21% 3.48%: 179 banks3.48% 3.74%: 201 banks3.74% 4.01%: 222 banks4.01% 4.27%: 226 banks4.27% 4.54%: 170 banks4.54% 4.8%: 100 banks4.8% 5.06%: 77 banksFrom 5.06%: 120 banks≤2.68%≥5.33%
Median 3.89%Selected bank 2.33% (outside central range)
Distribution data
First and last bins include all tail observations.
RangeBanks
< 2.95%160
2.95% to < 3.21%119
3.21% to < 3.48%179
3.48% to < 3.74%201
3.74% to < 4.01%222
4.01% to < 4.27%226
4.27% to < 4.54%170
4.54% to < 4.8%100
4.8% to < 5.06%77
≥ 5.06%120

Full range: 0.58% to 95.71%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 2 / 100. Larger values are not necessarily better.

Efficiency ratio1,574 reported
0123246Up to 46.87%: 153 banks46.87% 52.02%: 118 banks52.02% 57.16%: 186 banks57.16% 62.31%: 246 banks62.31% 67.45%: 230 banks67.45% 72.59%: 183 banks72.59% 77.74%: 142 banks77.74% 82.88%: 106 banks82.88% 88.03%: 80 banksFrom 88.03%: 130 banks≤41.73%≥93.17%
Median 64.1%Selected bank 302.5% (outside central range)
Distribution data
First and last bins include all tail observations.
RangeBanks
< 46.87%153
46.87% to < 52.02%118
52.02% to < 57.16%186
57.16% to < 62.31%246
62.31% to < 67.45%230
67.45% to < 72.59%183
72.59% to < 77.74%142
77.74% to < 82.88%106
82.88% to < 88.03%80
≥ 88.03%130

Full range: 2.7% to 448.9%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 100 / 100. Larger values are not necessarily better.

Equity to assets1,574 reported
0153306Up to 7.68%: 191 banks7.68% 8.87%: 234 banks8.87% 10.05%: 306 banks10.05% 11.23%: 254 banks11.23% 12.42%: 174 banks12.42% 13.6%: 123 banks13.6% 14.78%: 82 banks14.78% 15.97%: 67 banks15.97% 17.15%: 44 banksFrom 17.15%: 99 banks≤6.5%≥18.34%
Median 10.3%Selected bank 9.8%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 7.68%191
7.68% to < 8.87%234
8.87% to < 10.05%306
10.05% to < 11.23%254
11.23% to < 12.42%174
12.42% to < 13.6%123
13.6% to < 14.78%82
14.78% to < 15.97%67
15.97% to < 17.15%44
≥ 17.15%99

Full range: 2% to 94.9%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 42 / 100. Larger values are not necessarily better.

Uninsured deposits1,574 reported
0115229Up to 11.93%: 220 banks11.93% 15.65%: 186 banks15.65% 19.38%: 229 banks19.38% 23.11%: 222 banks23.11% 26.83%: 217 banks26.83% 30.56%: 158 banks30.56% 34.29%: 123 banks34.29% 38.02%: 71 banks38.02% 41.74%: 40 banksFrom 41.74%: 108 banks≤8.2%≥45.47%
Median 22.05%Selected bank 18%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 11.93%220
11.93% to < 15.65%186
15.65% to < 19.38%229
19.38% to < 23.11%222
23.11% to < 26.83%217
26.83% to < 30.56%158
30.56% to < 34.29%123
34.29% to < 38.02%71
38.02% to < 41.74%40
≥ 41.74%108

Full range: 0% to 99.7%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 35 / 100. Larger values are not necessarily better.

Noncurrent loans1,574 reported
0364728Up to 0.33%: 728 banks0.33% 0.67%: 246 banks0.67% 1%: 153 banks1% 1.33%: 96 banks1.33% 1.67%: 80 banks1.67% 2%: 64 banks2% 2.33%: 46 banks2.33% 2.67%: 40 banks2.67% 3%: 18 banksFrom 3%: 103 banks≤0%≥3.33%
Median 0.4%Selected bank 0%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 0.33%728
0.33% to < 0.67%246
0.67% to < 1%153
1% to < 1.33%96
1.33% to < 1.67%80
1.67% to < 2%64
2% to < 2.33%46
2.33% to < 2.67%40
2.67% to < 3%18
≥ 3%103

Full range: 0% to 17.16%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 9 / 100. Larger values are not necessarily better.

Custom asset cohort, not official UBPR peers. At least five reported observations required per metric.

Reported facts, not a recommendation

Operating evidence

6 / 6 available
Same-period comparisons. Changes in basis points; 100 bp = 1 percentage point.
MetricReportedQoQYoYPeer medianValue percentileValid peers
Earnings-5.25%-115 bp+166 bp1.18%0 / 1001571
Earnings2.33%+36 bp+74 bp3.89%2 / 1001574
Earnings302.50%N/AN/A64.10%100 / 1001574
Capital9.80%+540 bp+480 bp10.30%42 / 1001574
Franchise18.00%N/AN/A22.05%35 / 1001574
Credit0.00%N/AN/A0.40%9 / 1001574
Peer definition, reporting period and interpretation

Custom asset cohort: active banks with 0.5× to 2× this bank’s assets in the same reporting period, excluding this bank. The cohort has 1574 institutions. Each metric excludes missing values; fewer than five valid peers suppresses the median and percentile. This is not an official UBPR peer group.

A higher percentile means a larger value, not a better bank. Ties use midrank. Equity/assets is not a regulatory capital ratio. ROA and margin retain the provider’s reported definitions; quarter changes compare reported ratios, not standalone quarterly earnings.

Financial period: 2026-03-31. Missing periods remain N/A. Source: Call Report financials via FDIC.

Questions to take into diligence
  • Return on assets: Separate recurring earnings from one-off items before setting a valuation.
  • Net interest margin: Review deposit repricing and asset yields to test earnings durability.
  • Efficiency ratio: Validate achievable cost savings and the integration expense required.
  • Equity to assets: Test closing capital after credit marks and acquisition costs. This is not a regulatory capital ratio.
  • Uninsured deposits: Review depositor concentration, retention and liquidity under runoff assumptions.
  • Noncurrent loans: Inspect loan-level losses, reserves and collateral before accepting a credit mark.
Diligence considerations

Factors to review

1

Uninsured depositsReview depositor concentration, retention and liquidity under runoff assumptions.

2

Noncurrent loansInspect loan-level losses, reserves and collateral before accepting a credit mark.

Diligence priorities

1

Efficiency ratioValidate achievable cost savings and the integration expense required.

2

Return on assetsSeparate recurring earnings from one-off items before setting a valuation.

3

Net interest marginReview deposit repricing and asset yields to test earnings durability.

Franchise footprint

3 reported branches

$173.3M branch deposits
  1. 1
    Lineage BankFranklin, TN · Williamson
    $104.4MDeposits
  2. 2
    Downtown Franklin BranchFranklin, TN · Williamson
    $38.9MDeposits
  3. 3
    Atwood BranchAtwood, TN · Carroll
    $29.9MDeposits

Evidence timeline

Structure changes and public-company filings

5 linked records
FDIC structureChange in Physical Location (FO or BR)
FDIC structureChange in Physical Location (FO or BR)
FDIC structureChange in Physical Location (FO or BR)
FDIC structureChange in Physical Location (FO or BR)
FDIC structureChange in Legal Name (FO or BR)