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The Bank of Fayette County

$1B-$10B Specialty: Commercial TN FDIC cert 10308

Designations: ✓ Community bank

Piperton, TN

15 branches across TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in TN.
  • Deposits +8.2% year over year ($987.7M on the books).
  • Delinquency rate 1.10%.
  • Return on assets 0.98%.
  • Efficiency ratio 65.48% vs a 59.73% peer average.
  • Loan-to-deposit ratio 93.49% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 28 in TN
View $1B-$10B leaderboard (TN) →

The Bank of Fayette County has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.16% above tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 28.2% in tier
  • - Capital Thin: Bottom 29.3% in tier
  • - Liquidity Strain: Bottom 34.1% in tier
  • - Efficiency Ratio 5.75% above tier average
  • - Delinquency Rate 0.23% above tier average
Get updates when The Bank of Fayette County releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $1.1B
+7.8% YoY +1.6% QoQ
-$1.7B $2.8B
-0.6% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
Bottom 13.1% in tier
Total Loans ? $923.5M
+7.2% YoY +1.6% QoQ
-$1.0B $2.0B
-0.3% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
27%
Total Deposits ? $987.7M
+8.2% YoY +1.8% QoQ
-$1.3B $2.3B
-0.5% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
Bottom 14.6% in tier
Return on Assets ? 0.98%
-9.6% YoY +3.1% QoQ
-0.41% 1.39%
+17.0% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
29%
Net Interest Margin ? 4.03%
+2.0% YoY +1.9% QoQ
+0.16% 3.87%
+6.2% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
70%
Efficiency Ratio ? 65.48%
+1.3% YoY -1.9% QoQ
+5.75% 59.73%
-12.6% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
31%
Delinquency Rate ? 1.10%
-2.9% YoY +12.3% QoQ
+0.23% 0.87%
+11.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
25%
Loan-to-Deposit Ratio ? 93.49%
-1.0% YoY -0.2% QoQ
+8.46% 85.04%
-0.1% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
31%
Non-Interest-Bearing Deposit Share ? 17.55%
-7.2% YoY -3.3% QoQ
-3.73% 21.27%
-1.5% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
37%
Nonperforming Asset Ratio ? 0.93%
-1.3% YoY +12.1% QoQ
+0.26% 0.67%
+11.7% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
24%
Tier 1 Capital Ratio ? 9.59%
-0.9% YoY +0.1% QoQ
-5.25% 14.84%
-0.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
Bottom 2.5% in tier
Non-Interest Income / Assets ? 0.13%
+14.5% YoY +112.9% QoQ
-0.39% 0.53%
+2.5% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
Bottom 14.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Noninterest-Bearing 17.5%
-1.4pp YoY
-0.6pp QoQ
 -3.8pp 21.4% 18.8% 22.2% 37%
Brokered Deposits n/a n/a 9.5% 9.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 6.7%
+0.3pp YoY
0.0pp QoQ
 -7.3pp 14.0% 10.9% 12.5% 27%
CRE 32.5%
+2.0pp YoY
+0.4pp QoQ
 -17.5pp 50.0% 42.4% 41.4% 13%
1-4 Family 46.2%
-1.2pp YoY
-0.7pp QoQ
 +19.7pp 26.4% 39.8% 31.3% 87%
Consumer 4.8%
-0.5pp YoY
0.0pp QoQ
 +0.1pp 4.7% 4.5% 5.0% 81%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 14.8% 19.7% n/a
Leverage Ratio 9.6%
-0.1pp YoY
0.0pp QoQ
 -1.7pp 11.3% 11.4% 12.6% 24%
Total Capital Ratio n/a n/a 16.7% 15.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 229
+20 (+9.6%) YoY
+17 (+8.0%) QoQ
 -85 313 270 482 48%
Assets per Employee ($) $5.0M
-1.7% YoY
-5.9% QoQ
 -$5.5M $10.5M $7.1M $8.8M 3%
Branch Count 15
+1 (+7.1%) YoY
0 QoQ
 -5 20 17 18 50%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.4%
0.0pp YoY
+0.2pp QoQ
 +0.2pp 0.2% 0.2% 0.4% 92%
Nonaccrual 0.7%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.8% 0.7% 1.0% 64%
Allowance Coverage 1.07x
+5.4% YoY
-10.3% QoQ
 -17.64x 18.71x 28.97x 20.23x 26%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 52%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 10.8%
-1.1pp YoY
+0.3pp QoQ
 -1.8pp 12.6% 10.9% 11.6% 40%
Cost of Funds (YTD) 2.5%
-0.2pp YoY
0.0pp QoQ
 +0.6pp 1.9% 2.0% 1.7% 85%
Net Income ($, YTD) $5.5M
-1.2% YoY
— QoQ
 -$13.7M $19.2M $16.7M $40.4M 14%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Margin Compression

decline
#25 of 85 • Bottom 28.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.98%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
85 of 85 Mid-Market banks match · 413 nationally
→ Stable +8 banks QoQ

Capital Thin

risk
#66 of 222 • Bottom 29.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.59%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Liquidity Strain

risk
#124 of 361 • Bottom 34.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.49%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

864
Tier 1 Capital Ratio
capital
Value: 9.59%
Peer Median: 14.84%
#864 of 885 Bottom 2.5% in $1B-$10B
770
Total Assets
size
Value: $1.14B
Peer Median: $2.79B
#770 of 885 Bottom 13.1% in $1B-$10B
757
Total Deposits
size
Value: $987.71M
Peer Median: $2.32B
#757 of 885 Bottom 14.6% in $1B-$10B
756
Non-Interest Income / Assets
revenue_mix
Value: 0.13%
Peer Median: 0.53%
#756 of 885 Bottom 14.7% in $1B-$10B
677
Nonperforming Asset Ratio
credit_quality
Value: 0.93%
Peer Median: 0.67%
#677 of 885 Bottom 23.6% in $1B-$10B
666
Delinquency Rate
credit_quality
Value: 1.10%
Peer Median: 0.87%
#666 of 882 Bottom 24.6% in $1B-$10B
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