Bank of Perry County
Lobelville, TN · Cert 1713 · Peer group: banks under $1B in assets operating in a single state (n=751-755)
State charter, non-member · FDIC · 3 branches
Q2 2026
$253.1MAssets
$207.4MLoans
$224.3MDeposits
$23.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 86% of banks under $1B in assets operating in a single state (rank 104 of 755).
- Widest gap: equity / assets trails 73% of banks under $1B in assets operating in a single state (rank 554 of 755).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.43%
Rank 202 of 755
Net Interest Margin
3.91%
Rank 290 of 755
Efficiency Ratio
56.51%
Rank 204 of 755
Equity / Assets
9.09%
Rank 554 of 755
Non-interest income vs. expense
Unfavorable gap of $5.0M · efficiency ratio beats 73% 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 | 1.43% | 0.72% | 1.06% | 1.45% | Beats 73% | 202 / 755 | |
| Return on Equity | 15.68% | 6.66% | 10.44% | 13.61% | Beats 86% | 104 / 755 | |
| Net Interest Margin | 3.91% | 3.15% | 3.68% | 4.17% | Beats 62% | 290 / 755 | |
| Efficiency Ratio | 56.51% | 55.75% | 64.78% | 75.61% | Beats 73% | 204 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.38% | 0.09% | 0.42% | 1.05% | Beats 52% | 358 / 751 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 40% | 453 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 12.76% | 11.56% | 13.81% | 17.74% | Beats 39% | 463 / 755 | |
| Total Risk-Based Capital Ratio | 13.91% | 11.72% | 14.46% | 18.53% | Beats 46% | 411 / 755 | |
| Equity / Assets | 9.09% | 8.93% | 10.56% | 13.13% | Beats 27% | 554 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 92.46% | 62.43% | 78.62% | 91.00% | 78th pctl | 166 / 755 | |
| Loans / Assets | 81.94% | 54.70% | 67.27% | 76.55% | 89th pctl | 81 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |