Bank of Perry County
Lobelville, TN · Cert 1713 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
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 101 of 746).
- Widest gap: equity / assets trails 72% of banks under $1B in assets operating in a single state (rank 540 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.43%
Rank 201 of 746
Net Interest Margin
3.91%
Rank 288 of 746
Efficiency Ratio
56.51%
Rank 205 of 746
Equity / Assets
9.09%
Rank 540 of 746
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.43% | 0.72% | 1.06% | 1.45% | Beats 73% | 201 / 746 | | |
| Return on Equity | 15.68% | 6.74% | 10.51% | 13.63% | Beats 86% | 101 / 746 | | |
| Net Interest Margin | 3.91% | 3.17% | 3.68% | 4.16% | Beats 61% | 288 / 746 | | |
| Efficiency Ratio | 56.51% | 55.74% | 64.58% | 75.47% | Beats 73% | 205 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.38% | 0.09% | 0.42% | 1.07% | Beats 53% | 347 / 743 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 39% | 456 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 12.76% | 11.55% | 13.75% | 17.60% | Beats 39% | 457 / 746 | | |
| Total Risk-Based Capital Ratio | 13.91% | 11.71% | 14.33% | 18.43% | Beats 46% | 403 / 746 | | |
| Equity / Assets | 9.09% | 8.90% | 10.51% | 13.06% | Beats 28% | 540 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.46% | 61.31% | 78.27% | 90.78% | 78th pctl | 161 / 746 | | |
| Loans / Assets | 81.94% | 53.60% | 66.97% | 76.08% | 90th pctl | 78 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |