Bank of Dickson
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Data as of · sourced from FFIEC call reports. How we update
Bank of Dickson is an FDIC-insured commercial bank headquartered in Dickson, TN, established in 1954 (FDIC certificate 17327), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $291.0M, up 3.4% from Q2 2025, the 75th largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.53% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17327
- Headquarters
- Dickson, TN
- Established
- 1954
- Total assets, Q2 2026
- $291.0M
- Assets vs Q2 2025
- +3.4%
- Tier 1 leverage ratio, Q2 2026
- 11.53%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 064108236
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Dickson call report
- Holding company
- DICKSON FINANCIAL CORPORATION
- Asset rank in state
- 75th of 109 in Tennessee
Bank of Dickson, based in Dickson, Tennessee, reported $291 million in assets at June 30, 2026, up 3.4% from a year earlier. It holds commercial real estate loans equal to only 19% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 1.04%. Net income for the quarter rose 14% from a year earlier, to $564,000. Its margin is thin by comparison: it keeps 3.36 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Bank of Dickson reported a return on assets of 0.77%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Bank of Dickson ranks as the 75th largest of the 109 banks based in Tennessee, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.2% to $291.0M, loans rose 0.1% and deposits rose 2.4%. 1-4 family residential loans made up 73.3% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 9.6%. Its 4 offices in the FDIC Summary of Deposits are in Dickson, TN. By the capital ratios in its Q2 2026 call report, Bank of Dickson meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 466 Highway 46 S, Dickson, TN 37055
- County
- Dickson
- Metro Area
- Nashville-Davidson-Murfreesboro-Franklin, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 26, 1954
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $261.3M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $292.0M
- Average total loans
- $172.2M
- Average interest-bearing deposits
- $193.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 26, 1954
- FDIC Cert
- 17327
- Fed RSSD
- 638131
- Website
- www.bankofdickson.bank →
- Parent Holding Company
- DICKSON FINANCIAL CORPORATION (RSSD 1085899)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Dickson reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Dickson's total assets ran between $276.3M (Q4 2024) and $291.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$291.0M total assets against $281.5M; $262.6M total liabilities against $256.0M.
$170.9M net loans and leases against $169.7M; $261.3M total deposits against $254.7M.
$90.8M securities against $92.8M; $22.0M cash and balances due against $11.1M.
$3.2M total interest income against $3.0M; $797K total interest expense against $780K.
$2.4M net interest income against $2.2M.
$184K total noninterest income against $181K; $1.8M total noninterest expense against $1.8M.
$1K provision for credit losses against $0.
$564K net income against $494K.
0.77% return on assets against 0.69%; 3.36% net interest margin against 3.19%.
11.53% tier 1 leverage ratio against 11.29%.
Inside the full Bank of Dickson terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Dickson rankings
Its closest position to the top of a national ranking is 2,506 of 4,196, for total assets; its furthest is 3,478 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.45% (Q1 2025) to 0.78% (Q1 2026) and its net interest margin ran from 2.87% (Q1 2025) to 3.39% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.53% | 0.77% | 0.00% | 0.00% | 3.36% |
| Q1 2026 | 11.65% | 0.78% | 0.08% | 0.48% | 3.39% |
| Q4 2025 | 11.46% | 0.77% | 0.07% | 5.28% | 3.24% |
| Q3 2025 | 11.33% | 0.53% | 1.03% | 6.05% | 3.06% |
| Q2 2025 | 11.29% | 0.69% | 1.04% | 6.49% | 3.19% |
| Q1 2025 | 11.43% | 0.45% | 1.24% | 7.80% | 2.87% |
| Q4 2024 | 11.30% | 0.63% | 1.24% | 8.10% | 2.98% |
| Q3 2024 | 11.03% | 0.57% | 1.29% | 7.93% | 2.89% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Dickson (main office) | Dickson , TN | 37055 | $175.5M |
| Henslee Drive Branch | Dickson , TN | 37055 | $45.3M |
| Main Street Branch | Dickson , TN | 37055 | $36.0M |
| Pomona Office | Dickson , TN | 37055 | $4.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in TN, rank 98 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 117 applications, 101 loans originated, $19.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $40K approved, $40K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Dickson
What are Bank of Dickson's total assets?
As of the Q2 2026 filing, Bank of Dickson reported total assets of $291.0 million in its FFIEC call report.
Where is Bank of Dickson headquartered?
It is headquartered in Dickson, TN, United States.
When was Bank of Dickson founded?
It was established in 1954, per the FDIC institution directory.
Is Bank of Dickson FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17327). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Dickson?
Bank of Dickson's primary federal regulator is the FDIC.
How many branches does Bank of Dickson operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Dickson's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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