LAUDERDALE COUNTY BANK, THE

HALLS, TN | Micro | Est. April 4, 1979, midnight | FDIC #22835 | RSSD #82350 | FDIC
Latest Report: 2025-12-31

LAUDERDALE COUNTY BANK, THE is amn micro FDIC-insured commercial bank headquartered in HALLS, TN, established in April 4, 1979, midnight. As of 2025-12-31, the bank reported total assets of $67M and total deposits of $60M. Profitability stands at 1.03% ROA and 10.62% ROE, with a net interest margin of 4.11%. The bank's CET1 capital ratio is 9.53%. Asset quality metrics show a non-performing loan ratio of 0.81% and a Texas Ratio of 3.52%. FDIC Certificate #22835.

Assets

$67M

Deposits

$60M

Loans

$30M

Equity

$6M

Profitability

Return on Assets (ROA) 1.03%
Return on Equity (ROE) 10.62%
Net Interest Margin (NIM) 4.11%
Yield on Assets 5.56%
Cost of Funds 2.02%

Asset Quality

NPL Ratio 0.81%
Net Charge-Off Ratio 0.07%
Texas Ratio 3.52%
NPA Ratio 0.36%
ACL / Loans 1.38%

Capital & Liquidity

CET1 Ratio 9.53%
Tier 1 Capital 9.53%
Total Capital Ratio 10.01%
Leverage Ratio 12.31%
Loan-to-Deposit 49.55%

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