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Bank of Perry County

$100M-$1B Specialty: Consumer TN FDIC cert 1713

Lobelville, TN

3 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
  • Deposits +6.6% year over year ($224.3M on the books).
  • Delinquency rate 0.39%.
  • Return on assets 1.71%.
  • Efficiency ratio 56.51% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.54% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 72 in TN
View $100M-$1B leaderboard (TN) →

Bank of Perry County has 4 strengths but faces 3 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

  • + ROA 0.38% above tier average
  • + Net Interest Margin 0.21% above tier average
  • + Efficiency Ratio 7.96% below tier average
  • + Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 21.9% in tier
  • - Credit Risk Growth: Bottom 27.9% in tier
  • - Liquidity Strain: Bottom 31.8% in tier
Get updates when Bank of Perry 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 ? $253.1M
+6.2% YoY +1.3% QoQ
-$133.5M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
37%
Total Loans ? $205.3M
+7.2% YoY +3.5% QoQ
-$53.0M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
49%
Total Deposits ? $224.3M
+6.6% YoY +1.5% QoQ
-$102.5M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
40%
Return on Assets ? 1.71%
-5.4% YoY +2.4% QoQ
+0.38% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
76%
Net Interest Margin ? 4.19%
+0.1% YoY +1.2% QoQ
+0.21% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
65%
Efficiency Ratio ? 56.51%
+0.9% YoY +0.5% QoQ
-7.96% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
68%
Delinquency Rate ? 0.39%
+19.2% YoY -26.3% QoQ
-0.53% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
52%
Loan-to-Deposit Ratio ? 91.54%
+0.6% YoY +2.0% QoQ
+13.59% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
23%
Non-Interest-Bearing Deposit Share ? 22.28%
-0.1% YoY -5.0% QoQ
+0.25% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
56%
Nonperforming Asset Ratio ? 0.74%
+78.9% YoY +1.4% QoQ
+0.08% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
29%
Tier 1 Capital Ratio ? 12.76%
-1.5% YoY -3.0% QoQ
-3.15% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
45%
Non-Interest Income / Assets ? 0.24%
-2.0% YoY +110.2% QoQ
-0.33% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
61%

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 22.3%
0.0pp YoY
-1.2pp QoQ
 +0.1pp 22.1% 18.8% 22.2% 56%
Brokered Deposits 10.8%
-0.5pp YoY
-0.2pp QoQ
 +2.9pp 7.9% 9.4% 8.5% 77%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 4.8%
-0.8pp YoY
-0.4pp QoQ
 -6.7pp 11.6% 10.9% 12.5% 19%
CRE 22.1%
+2.0pp YoY
+0.5pp QoQ
 -17.4pp 39.5% 42.4% 41.4% 21%
1-4 Family 50.7%
-1.0pp YoY
+0.1pp QoQ
 +18.1pp 32.6% 39.8% 31.3% 83%
Consumer 17.2%
+1.3pp YoY
+0.1pp QoQ
 +13.1pp 4.1% 4.5% 5.0% 97%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 12.8%
-0.2pp YoY
-0.4pp QoQ
 -6.1pp 18.8% 14.8% 19.7% 24%
Leverage Ratio 9.1%
+0.1pp YoY
-0.3pp QoQ
 -3.1pp 12.2% 11.4% 12.6% 14%
Total Capital Ratio 13.9%
-0.2pp YoY
-0.4pp QoQ
 -6.0pp 19.9% 15.9% 20.8% 25%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 36
-1 (-2.7%) YoY
0 QoQ
 -23 58 270 482 36%
Assets per Employee ($) $7.0M
+9.2% YoY
+1.3% QoQ
 -$488K $7.5M $7.1M $8.8M 53%
Branch Count 3
0 YoY
0 QoQ
 -2 4 17 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.1pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 44%
Nonaccrual 0.3%
0.0pp YoY
-0.1pp QoQ
 -0.6pp 0.9% 0.7% 1.0% 40%
Allowance Coverage 2.60x
-15.5% YoY
+33.4% QoQ
 -21.55x 24.15x 28.97x 20.23x 55%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 15%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 18.5%
-1.2pp YoY
+0.6pp QoQ
 +6.3pp 12.2% 10.9% 11.6% 84%
Cost of Funds (YTD) 2.3%
-0.1pp YoY
0.0pp QoQ
 +0.6pp 1.7% 2.0% 1.7% 85%
Net Income ($, YTD) $2.1M
0.0% YoY
— QoQ
 -$432K $2.6M $16.7M $40.4M 55%

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)

Credit Quality Pressure

risk
#276 of 1256 • Bottom 21.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.39%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#262 of 936 • Bottom 27.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#221 of 691 • Bottom 31.8% 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: 91.54%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

634
Return on Assets
profitability
Value: 1.71%
Peer Median: 1.32%
#634 of 2643 Top 24.0% in $100M-$1B

Top Weaknesses (1 metrics)

2032
Loan-to-Deposit Ratio
liquidity
Value: 91.54%
Peer Median: 77.95%
#2032 of 2643 Bottom 23.2% in $100M-$1B
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