Bank of Halls
Halls, TN · Cert 10315 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Security Bcorp of TN Inc.
State charter, Fed member · FED · 3 affiliate banks · 2 branches (21 in holding)
Q2 2026
$134.6MAssets
$63.8MLoans
$123.2MDeposits
$10.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: equity / assets trails 89% of banks under $1B in assets operating in a single state (rank 664 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.04%
Rank 389 of 746
Net Interest Margin
3.10%
Rank 585 of 746
Efficiency Ratio
55.63%
Rank 184 of 746
Equity / Assets
7.73%
Rank 664 of 746
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 75% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.72% | 1.06% | 1.45% | Beats 48% | 389 / 746 | |
| Return on Equity | 13.42% | 6.74% | 10.51% | 13.63% | Beats 73% | 204 / 746 | |
| Net Interest Margin | 3.10% | 3.17% | 3.68% | 4.16% | Beats 22% | 585 / 746 | |
| Efficiency Ratio | 55.63% | 55.74% | 64.58% | 75.47% | Beats 75% | 184 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.09% | 0.42% | 1.07% | Beats 70% | 226 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.79% | 11.55% | 13.75% | 17.60% | Beats 39% | 455 / 746 | |
| Total Risk-Based Capital Ratio | 13.88% | 11.71% | 14.33% | 18.43% | Beats 46% | 405 / 746 | |
| Equity / Assets | 7.73% | 8.90% | 10.51% | 13.06% | Beats 11% | 664 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 51.80% | 61.31% | 78.27% | 90.78% | 14th pctl | 640 / 746 | |
| Loans / Assets | 47.42% | 53.60% | 66.97% | 76.08% | 17th pctl | 617 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |