Bank of Halls
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Data as of · sourced from FFIEC call reports. How we update
Bank of Halls is an FDIC-insured commercial bank headquartered in Halls, TN, established in 1899 (FDIC certificate 10315), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $134.6M, up 1.3% from Q2 2025, the 100th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 12.79% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 10315
- Headquarters
- Halls, TN
- Established
- 1899
- Total assets, Q2 2026
- $134.6M
- Assets vs Q2 2025
- +1.3%
- CET1 ratio, Q2 2026
- 12.79%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 084302452
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Halls call report
- Holding company
- SECURITY BANCORP OF TENNESSEE, INC.
- Asset rank in state
- 100th of 109 in Tennessee
Bank of Halls operates with a thinner capital cushion than most banks of its size. It reported $135 million in assets at June 30, 2026, up 1.3% from a year earlier. It funds 7.95% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also grew its loan book 14.4% over the year, 2.6 times the median of 5.5% for banks its size.
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 0.15% of loans from 2.82%. Loans are outrunning deposits: over the year loans rose 14.4% and deposits rose 1.2%. Its margin is thin by comparison: it keeps 3.34 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 Halls reported a CET1 capital ratio of 12.79%, a return on assets of 1.07%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 0.86%. The figures come from its call report filed with the FFIEC.
Bank of Halls ranks as the 100th largest of the 109 banks based in Tennessee, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.3% to $134.6M, loans rose 6.2% and deposits fell 0.2%. Farmland and other real estate loans made up 29.5% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 22.9%. Its 2 offices in the FDIC Summary of Deposits are in Halls, TN. On its Q2 2026 call report, Bank of Halls meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 E Main St, Halls, TN 38040
- County
- Lauderdale
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 13, 1899
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $123.2M
- Allowance for credit losses
- $925K
- Net charge-offs (YTD)
- $0
- Average total assets
- $137.2M
- Average total loans
- $61.1M
- Average interest-bearing deposits
- $106.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10315
- Fed RSSD
- 145059
- Website
- www.bankofhalls.com →
- Parent Holding Company
- SECURITY BANCORP OF TENNESSEE, INC. (RSSD 1135374)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Bank of Halls's total assets moved between a low of $128.7M (Q3 2024) and a high of $147.1M (Q4 2023) 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
$134.6M total assets against $132.8M; $124.2M total liabilities against $122.8M.
$62.9M net loans and leases against $54.8M; $123.2M total deposits against $121.7M.
$42.1M securities against $42.2M; $22.9M cash and balances due against $29.0M.
$1.6M total interest income against $1.8M; $550K total interest expense against $555K.
$1.1M net interest income against $1.2M.
$76K total noninterest income against $45K; $634K total noninterest expense against $612K.
$0 provision for credit losses against $0.
$366K net income against $473K.
1.07% return on assets against 1.40%; 3.34% net interest margin against 3.80%.
12.79% CET1 capital ratio against 14.33%; 7.95% tier 1 leverage ratio against 8.20%.
Inside the full Bank of Halls terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Halls rankings
Its closest position to the top of a national ranking is 1,173 of 3,606, for efficiency ratio; its furthest is 3,417 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.72% (Q1 2025) to 1.40% (Q2 2025) and its net interest margin ran from 3.06% (Q1 2025) to 3.80% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.79% | 1.07% | 0.15% | 0.86% | 3.34% |
| Q1 2026 | 14.04% | 0.96% | 0.31% | 1.60% | 3.20% |
| Q4 2025 | 13.00% | 1.02% | 0.28% | 1.40% | 3.31% |
| Q3 2025 | 13.46% | 0.83% | 0.28% | 1.37% | 3.35% |
| Q2 2025 | 14.33% | 1.40% | 2.82% | 14.41% | 3.80% |
| Q1 2025 | 13.26% | 0.72% | 0.99% | 4.80% | 3.06% |
| Q4 2024 | 12.83% | 1.05% | 0.51% | 2.66% | 3.24% |
| Q3 2024 | 13.97% | 1.05% | 0.44% | 2.21% | 3.22% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 Halls (main office) | Halls , TN | 38040 | $123.2M |
| Church Street Branch | Halls , TN | 38040 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 135 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $125K approved, $125K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1993 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Halls
What are Bank of Halls's total assets?
As of the Q2 2026 filing, Bank of Halls reported total assets of $134.6 million in its FFIEC call report.
Where is Bank of Halls headquartered?
It is headquartered in Halls, TN, United States.
When was Bank of Halls founded?
It was established in 1899, per the FDIC institution directory.
Is Bank of Halls FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10315). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Halls?
Bank of Halls's primary federal regulator is the Federal Reserve.
What is Bank of Halls's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.79% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of Halls operate?
It operates 2 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 Halls's Texas Ratio?
Its Texas Ratio is 0.86% 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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