The Bank of Fayette County: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 7.16 percentage points in Q2 2026, from 86.94% to 79.78%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, The Bank of Fayette County is 64th of 109 on return on assets, 1.02% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. The Bank of Fayette County sits 0.26 points lower, at 1.02% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.59% |
| Equity capital to assets | 9.10% |
| Tangible equity to tangible assets | 9.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.45% |
| Non-performing assets ratio | 1.23% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 15.19% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 79.78% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.02% |
| Return on equity | 11.11% |
| Net interest margin | 4.07% |
| Efficiency ratio | 64.15% |
| Yield on earning assets | 6.55% |
| Cost of funds | 2.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.59% |
| Core deposits to total deposits | 81.53% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.65% |
| Securities to assets | 7.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.23% | 1.15% | 3.91% | 1.00% | 0.09% |
| Q4 2023 | 9.96% | 1.06% | 3.78% | 0.87% | 0.07% |
| Q1 2024 | 10.15% | 1.07% | 3.73% | 0.91% | 0.02% |
| Q2 2024 | 9.92% | 1.10% | 3.81% | 0.91% | 0.07% |
| Q3 2024 | 9.92% | 1.10% | 3.83% | 1.01% | 0.19% |
| Q4 2024 | 9.69% | 1.09% | 3.91% | 1.06% | 0.06% |
| Q1 2025 | 9.94% | 1.04% | 3.86% | 1.01% | 0.32% |
| Q2 2025 | 9.67% | 1.14% | 3.96% | 1.24% | 0.05% |
| Q3 2025 | 9.64% | 0.91% | 3.98% | 1.30% | 0.23% |
| Q4 2025 | 9.54% | 0.93% | 4.05% | 1.22% | 0.07% |
| Q1 2026 | 9.57% | 0.95% | 3.91% | 1.32% | 0.03% |
| Q2 2026 | 9.59% | 1.02% | 4.07% | 1.45% | 0.06% |
The Bank of Fayette County vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Fayette County, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of Fayette County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10308) · FFIEC NIC profile (RSSD 466754)