Decaturville, TN · Cert 6101 · Decatur Bancshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · Jackson, TN · 2026 SOD (annual) · 2.5% share · #10 of 23 inst. · $0.1B of $4.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.56% | 0.84% | 0.76% | 0.65% | +2 bps | |
| Return on Equity | 8.70% | 7.64% | 10.57% | 9.03% | 7.81% | -88 bps | |
| Net Interest Margin | 3.70% | 3.79% | 3.83% | 3.65% | 3.68% | -2 bps | |
| Efficiency Ratio | 79.72% | 76.99% | 74.28% | 77.53% | 78.77% | -95 bps | |
| Non-Interest Burden | 2.87% | 2.79% | 2.72% | 2.70% | 2.81% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.28% | 7.50% | 10.12% | 11.63% | 10.21% | +593 bps | |
| Loan Growth (YoY) | 6.75% | 11.51% | 13.30% | 8.90% | 7.38% | +63 bps | |
| Deposit Growth (YoY) | 5.06% | 8.01% | 9.08% | 11.34% | 9.53% | +446 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.31% | 0.21% | 0.24% | 0.27% | 0.98% | +67 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | 0.00% | 0.02% | +3 bps | |
| Allowance / Loans | 0.92% | 0.97% | 0.97% | 1.00% | 0.97% | +6 bps | |
| Allowance Coverage of NPLs | 3.0x | 4.6x | 4.0x | 3.7x | 1.0x | -2.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.05% | 8.17% | 9.20% | 9.10% | 9.03% | +98 bps | |
| Total Risk-Based Capital | 11.11% | 10.93% | 12.00% | 12.42% | 12.00% | +89 bps | |
| Equity / Assets | 7.20% | 7.41% | 8.41% | 8.36% | 8.27% | +106 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.13% | 91.48% | 90.98% | 87.08% | 87.38% | -175 bps | |
| Liquid Assets / Assets | 2.26% | 1.44% | 2.12% | 5.04% | 3.03% | +77 bps | |
| CRE / Total Capital | n/a | 339% | 315% | 301% | n/a | n/a | |