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Decatur County Bank

$100M-$1B Specialty: Commercial TN FDIC cert 6101

Designations: ✓ CDFI-certified

Decaturville, TN

5 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 +9.5% year over year ($295.3M on the books).
  • Delinquency rate 0.99%.
  • Return on assets 0.88%.
  • Efficiency ratio 78.14% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.53% 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) →

Decatur County Bank faces 3 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - ROA 0.44% below tier average
  • - Efficiency Ratio 13.66% above tier average
  • - Delinquency Rate 0.07% above tier average
Get updates when Decatur County Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $325.6M
+10.2% YoY +1.4% QoQ
-$60.9M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
50%
Total Loans ? $255.6M
+7.3% YoY +1.8% QoQ
-$2.8M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
60%
Total Deposits ? $295.3M
+9.5% YoY +1.4% QoQ
-$31.4M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
54%
Return on Assets ? 0.88%
+25.1% YoY -8.7% QoQ
-0.44% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
28%
Net Interest Margin ? 3.95%
-1.6% YoY +0.1% QoQ
-0.04% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
51%
Efficiency Ratio ? 78.14%
-5.1% YoY +0.8% QoQ
+13.66% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
16%
Delinquency Rate ? 0.99%
+217.9% YoY +258.4% QoQ
+0.07% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
29%
Loan-to-Deposit Ratio ? 86.53%
-2.0% YoY +0.4% QoQ
+8.58% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
34%
Non-Interest-Bearing Deposit Share ? 16.63%
+3.1% YoY -1.4% QoQ
-5.40% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
31%
Nonperforming Asset Ratio ? 0.94%
+277.1% YoY +338.4% QoQ
+0.27% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
22%
Tier 1 Capital Ratio ? 11.01%
+8.5% YoY -3.5% QoQ
-4.90% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
24%
Non-Interest Income / Assets ? 0.25%
+16.8% YoY +70.5% QoQ
-0.32% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
64%

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 16.6%
+0.5pp YoY
-0.2pp QoQ
 -5.5pp 22.1% 18.8% 22.2% 30%
Brokered Deposits 5.6%
+0.7pp YoY
-0.7pp QoQ
 -2.3pp 7.9% 9.4% 8.5% 56%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 25.6%
+0.3pp YoY
+0.8pp QoQ
 +14.1pp 11.6% 10.9% 12.5% 94%
CRE 34.3%
+0.5pp YoY
-1.0pp QoQ
 -5.3pp 39.5% 42.4% 41.4% 42%
1-4 Family 25.7%
-0.2pp YoY
-0.7pp QoQ
 -6.9pp 32.6% 39.8% 31.3% 42%
Consumer 2.4%
-0.3pp YoY
+0.1pp QoQ
 -1.7pp 4.1% 4.5% 5.0% 54%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 11.0%
+0.9pp YoY
-0.4pp QoQ
 -7.8pp 18.8% 14.8% 19.7% 8%
Leverage Ratio 9.0%
+1.0pp YoY
-0.1pp QoQ
 -3.1pp 12.2% 11.4% 12.6% 12%
Total Capital Ratio 12.0%
+0.9pp YoY
-0.4pp QoQ
 -7.9pp 19.9% 15.9% 20.8% 7%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 54
-2 (-3.6%) YoY
0 QoQ
 -5 58 270 482 57%
Assets per Employee ($) $6.0M
+14.3% YoY
+1.4% QoQ
 -$1.5M $7.5M $7.1M $8.8M 34%
Branch Count 5
0 YoY
0 QoQ
 0 4 17 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 1.0%
+0.7pp YoY
+0.7pp QoQ
 +0.1pp 0.9% 0.7% 1.0% 71%
Allowance Coverage 1.00x
-66.5% YoY
-72.8% QoQ
 -23.16x 24.15x 28.97x 20.23x 26%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 44%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 10.5%
+0.7pp YoY
-1.0pp QoQ
 -1.7pp 12.2% 10.9% 11.6% 40%
Cost of Funds (YTD) 2.3%
-0.3pp YoY
0.0pp QoQ
 +0.6pp 1.7% 2.0% 1.7% 84%
Net Income ($, YTD) $1.4M
+38.4% YoY
— QoQ
 -$1.1M $2.6M $16.7M $40.4M 39%

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 (0)

No matched concern signatures this quarter

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 (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2221
Efficiency Ratio
profitability
Value: 78.14%
Peer Median: 64.48%
#2221 of 2643 Bottom 16.0% in $100M-$1B
2072
Nonperforming Asset Ratio
credit_quality
Value: 0.94%
Peer Median: 0.67%
#2072 of 2643 Bottom 21.6% in $100M-$1B
2017
Tier 1 Capital Ratio
capital
Value: 11.01%
Peer Median: 15.91%
#2017 of 2643 Bottom 23.7% in $100M-$1B
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