The Bank of Fayette County
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Fayette County is an FDIC-insured commercial bank headquartered in Piperton, TN, supervised by the Federal Reserve, with $1.14B in total assets at Q2 2026, up 7.8% from Q2 2025, the 25th largest of 109 banks headquartered in Tennessee. It was established in 1905 and holds FDIC certificate 10308. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.59% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 10308
- Headquarters
- Piperton, TN
- Established
- 1905
- Total assets, Q2 2026
- $1.14B
- Assets vs Q2 2025
- +7.8%
- Tier 1 leverage ratio, Q2 2026
- 9.59%
- Domestic offices
- 15 · The Bank of Fayette County branches FDIC institution directory, current count
- Routing number
- 084304337
- Safety and soundness
- Is The Bank of Fayette County safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Bank of Fayette County Q3 2026 call report, filed October 20, 2026 (preliminary)
- Holding company
- MOSCOW BANCSHARES, INC.
- Asset rank in state
- 25th of 109 in Tennessee
The Bank of Fayette County pays more for its money than most banks of its size. The Piperton, Tennessee bank had $1.1 billion in assets at June 30, 2026, up 7.8% from a year earlier. It pays an average of 2.67% on its deposits and borrowings, higher than about three-quarters of the 880 banks with $1 billion to $10 billion in assets (median 2.01%). On the other hand, it holds commercial real estate loans worth 1.3 times its capital, lower than about three-quarters of banks its size (median 2.2 times).
Credit is the area to watch: it carries problem assets equal to 9.3% of the capital and reserves that would absorb them, 2.6 times the median of 3.6% for banks its size.
As of June 30, 2026, The Bank of Fayette County reported a return on assets of 1.02%, a nonperforming-loan ratio of 1.09% and a Texas ratio of 9.28%. The figures come from its call report filed with the FFIEC.
The Bank of Fayette County ranks as the 25th largest of the 109 banks based in Tennessee, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.6% to $1.14B, loans rose 1.6% and deposits rose 1.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 45.6% of total loans, ahead of owner-occupied commercial real estate loans at 15.4%. The FDIC Summary of Deposits lists 15 offices for it, in 15 cities in TN; its Piperton office books 26% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Bank of Fayette County meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1265 Highway 57, Piperton, TN 38017
- County
- Fayette
- Metro Area
- Memphis, TN-Ms-Ar
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 26, 1905
- Former names
- The Bank of Fayette County (2004); The Bank of Moscow (1990-2004)
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 229
- Domestic deposits
- $987.7M
- Allowance for credit losses
- $10.8M
- Net charge-offs (YTD)
- $202K
- Average total assets
- $1.13B
- Average total loans
- $921.1M
- Average interest-bearing deposits
- $795.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10308
- Fed RSSD
- 466754
- SEC CIK
- 760914 → filed by MOSCOW BANCSHARES, INC.
- Website
- www.thebank1905.com →
- Parent Holding Company
- MOSCOW BANCSHARES, INC. (RSSD 1099896)
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, The Bank of Fayette County reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Bank of Fayette County's total assets moved between a low of $877.4M (Q3 2023) and a high of $1.14B (Q2 2026) from Q3 2023 to 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
$1.14B total assets against $1.06B; $1.04B total liabilities against $961.8M.
$923.5M net loans and leases against $861.7M; $987.7M total deposits against $912.5M.
$90.5M securities against $68.0M; $78.0M cash and balances due against $81.8M.
$17.7M total interest income against $16.7M; $6.7M total interest expense against $6.8M.
$11.0M net interest income against $9.9M.
$811K total noninterest income against $631K; $7.6M total noninterest expense against $6.7M.
$390K provision for credit losses against $500K.
$2.9M net income against $3.0M.
1.02% return on assets against 1.14%; 4.07% net interest margin against 3.96%.
9.59% tier 1 leverage ratio against 9.67%.
Inside the full The Bank of Fayette County terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bank of Fayette County rankings
Its closest position to the top of a national ranking is 703 of 3,640, for Texas Ratio; its furthest is 768 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.91% (Q3 2025) to 1.14% (Q2 2025) and its net interest margin ran from 3.83% (Q3 2024) to 4.07% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.59% | 1.02% | 1.09% | 9.28% | 4.07% |
| Q1 2026 | 9.57% | 0.95% | 0.97% | 8.29% | 3.91% |
| Q4 2025 | 9.54% | 0.93% | 0.76% | 6.14% | 4.05% |
| Q3 2025 | 9.64% | 0.91% | 0.89% | 7.20% | 3.98% |
| Q2 2025 | 9.67% | 1.14% | 1.12% | 9.44% | 3.96% |
| Q1 2025 | 9.94% | 1.04% | 0.87% | 7.07% | 3.86% |
| Q4 2024 | 9.69% | 1.09% | 1.11% | 9.28% | 3.91% |
| Q3 2024 | 9.92% | 1.10% | 1.07% | 9.11% | 3.83% |
Swipe the table sideways to see every column.
Branch Network
View all 15 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 |
|---|---|---|---|
| The Bank of Fayette County | Piperton , TN | 38017 | $255.9M |
| Collierville Branch | Collierville , TN | 38017 | $137.4M |
| Somerville Branch | Somerville , TN | 38068 | $131.7M |
| Oaklnad Branch | Oakland , TN | 38060 | $79.3M |
| Bolivar Branch | Bolivar , TN | 38008 | $68.2M |
| Arlington Branch | Arlington , TN | 38002 | $48.2M |
| Moscow - Express Branch | Moscow , TN | 38057 | $42.9M |
| Selmer Branch | Selmer , TN | 38375 | $42.7M |
| Grand Junction Lagrange Branch | Grand Junction , TN | 38039 | $40.6M |
| Hickory Withe Branch | Eads , TN | 38028 | $39.5M |
| Covington Branch | Covington , TN | 38019 | $34.3M |
| Whiteville Branch | Whiteville , TN | 38075 | $32.3M |
| Trust Company Bank-Mason Branch Office | Mason , TN | 38049 | $18.5M |
| Chester County Branch | Henderson , TN | 38340 | $12.8M |
| Adamsville Branch | Adamsville , TN | 38310 | $3.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 30, 2016 | Structure Change | Acquired Trust Company Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 29, 2016 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- April 26, 2018, Federal Reserve: Civil Money Penalty, $12,000: The Bank of Fayette County
- Period: Most recent institution action April 26, 2018. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in TN, rank 40 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, 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 The Bank of Fayette County
What are The Bank of Fayette County's total assets?
As of the Q2 2026 filing, The Bank of Fayette County reported total assets of $1.14 billion in its FFIEC call report.
Where is The Bank of Fayette County headquartered?
It is headquartered in Piperton, TN, United States.
When was The Bank of Fayette County founded?
It was established in 1905, per the FDIC institution directory.
Is The Bank of Fayette County FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10308). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Fayette County?
The Bank of Fayette County's primary federal regulator is the Federal Reserve.
How many branches does The Bank of Fayette County operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Fayette County's Texas Ratio?
Its Texas Ratio is 9.28% 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.
What was The Bank of Fayette County previously called?
The charter now named The Bank of Fayette County has also operated as The Bank of Fayette County (2004), The Bank of Moscow (1990-2004), per FDIC structure-change records.
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