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Decatur County Bank
Decaturville, TN · FDIC Certificate #6101 · Chartered 11/1
Total assets
$325.64M
Total deposits
$295.35M
Total equity
$26.93M
Net loans
$255.57M
Branches (offices)
5
Net income (YTD)
$1.41M
Rank: #2,356 of 4,213 U.S. banks by assets · #71 of 109 in Tennessee. Assets changed 10.2% and deposits 9.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.88% |
| Return on equity | 10.54% |
| Net interest margin (YTD) | 3.95% |
| Equity to assets | 8.27% |
| Tier 1 leverage ratio | 9.03% |
| Uninsured deposits (share of deposits) | 13.3% |
| Noncurrent loans (share of loans) | 0.98% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 86.5% |
| Real estate loans (share of loans) | 66.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $169.40M | 66.3% | |
| Commercial & industrial | $65.47M | 25.6% | |
| Consumer / individual | $6.25M | 2.4% | |
| Construction & development | $19.53M | 7.6% | |
| Agricultural | $10.42M | 4.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $219.38M | $196.38M | $1.48M | $16.79M |
| Jun 2023 | $269.93M | $241.27M | $843.00K | $17.07M |
| Jun 2024 | $283.34M | $256.66M | $886.00K | $19.39M |
| Jun 2025 | $295.47M | $269.66M | $1.02M | $21.29M |
| Jun 2026 | $325.64M | $295.35M | $1.41M | $26.93M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $295.35M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $295.35M.
Similar-sized banks
First State Bank Of Burnet ($325.80M) · The First National Bank Of River Falls ($325.27M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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