Decatur County Bank
Decaturville, TN · Cert 6101 · Peer group: banks under $1B in assets (n=581-629) · Decatur Bancshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
$325.6MAssets
$258.1MLoans
$295.3MDeposits
$26.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 56% of banks under $1B in assets (rank 279 of 629).
- Widest gap: equity / assets trails 86% of banks under $1B in assets (rank 541 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.69%
Rank 443 of 629
Net Interest Margin
3.66%
Rank 279 of 629
Efficiency Ratio
78.14%
Rank 459 of 629
Equity / Assets
8.27%
Rank 541 of 629
Non-interest income vs. expense
Unfavorable gap of $8.9M · efficiency ratio beats 27% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.69% | 0.60% | 1.01% | 1.45% | Beats 30% | 443 / 629 | | |
| Return on Equity | 8.38% | 5.38% | 9.30% | 13.28% | Beats 43% | 356 / 629 | | |
| Net Interest Margin | 3.66% | 3.03% | 3.54% | 4.05% | Beats 56% | 279 / 629 | | |
| Efficiency Ratio | 78.14% | 58.35% | 67.79% | 79.08% | Beats 27% | 459 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.98% | 0.09% | 0.46% | 1.20% | Beats 31% | 402 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 53% | 276 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 11.01% | 11.24% | 13.84% | 18.77% | Beats 23% | 484 / 629 | | |
| Total Risk-Based Capital Ratio | 12.00% | 11.58% | 14.43% | 19.66% | Beats 29% | 448 / 629 | | |
| Equity / Assets | 8.27% | 9.09% | 10.65% | 13.80% | Beats 14% | 541 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.38% | 67.24% | 80.90% | 93.48% | 63rd pctl | 218 / 594 | | |
| Loans / Assets | 79.25% | 53.31% | 67.71% | 78.15% | 80th pctl | 126 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |