Bank of Perry County
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Data as of · sourced from FFIEC call reports. How we update
Bank of Perry County is an FDIC-insured commercial bank headquartered in Lobelville, TN, established in 1905 (FDIC certificate 1713), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $253.1M, up 6.2% from Q2 2025, the 80th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 12.76% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1713
- Headquarters
- Lobelville, TN
- Established
- 1905
- Total assets, Q2 2026
- $253.1M
- Assets vs Q2 2025
- +6.2%
- CET1 ratio, Q2 2026
- 12.76%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 064104162
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Perry County call report
- Asset rank in state
- 80th of 109 in Tennessee
Bank of Perry County operates with a thinner capital cushion than most banks of its size. The Lobelville, Tennessee bank had $253 million in assets at June 30, 2026, up 6.2% from a year earlier. It funds 9.11% of its assets with Tier 1 capital, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it returns 19.1% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Funding is the softer spot: it pays an average of 2.45% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Bank of Perry County reported a CET1 capital ratio of 12.76%, a return on assets of 1.74%, a nonperforming-loan ratio of 0.38% and a Texas ratio of 7.52%. The figures come from its call report filed with the FFIEC.
Bank of Perry County ranks as the 80th largest of the 109 banks based in Tennessee, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.3% to $253.1M, loans rose 3.5% and deposits rose 1.5%. 1-4 family residential loans made up 50.2% of its total loans on June 30, 2026, its largest category; next came other consumer loans at 13.6%. Its 3 offices in the FDIC Summary of Deposits are in Lobelville, TN, Linden, TN and Hohenwald, TN; its Lobelville office books 41% of its branch deposits. On its Q2 2026 call report, Bank of Perry County meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 33 S Main St, Lobelville, TN 37097
- County
- Perry
- 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
- —
- Call Report form
- FFIEC 051
- Established
- September 1, 1905
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 36
- Domestic deposits
- $224.3M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- -$9K
- Average total assets
- $251.7M
- Average total loans
- $205.2M
- Average interest-bearing deposits
- $172.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1713
- Fed RSSD
- 284239
- Website
- http://thebankonthego.com →
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
From Q3 2023 to Q2 2026, Bank of Perry County's total assets ranged from $221.9M (Q3 2023) to $253.1M (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
$253.1M total assets against $238.3M; $230.1M total liabilities against $216.7M.
$205.3M net loans and leases against $191.4M; $224.3M total deposits against $210.4M.
$11.7M securities against $12.2M; $25.2M cash and balances due against $24.8M.
$3.9M total interest income against $3.7M; $1.4M total interest expense against $1.4M.
$2.5M net interest income against $2.3M.
$322K total noninterest income against $326K; $1.6M total noninterest expense against $1.5M.
$30K provision for credit losses against $20K.
$1.1M net income against $1.1M.
1.74% return on assets against 1.78%; 4.19% net interest margin against 4.06%.
12.76% CET1 capital ratio against 12.95%; 9.11% tier 1 leverage ratio against 9.06%.
Inside the full Bank of Perry County terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Perry County rankings
Its closest position to the top of a national ranking is 833 of 3,611, for ROA; its furthest is 1,479 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.07% (Q4 2024) to 1.83% (Q1 2025) and its net interest margin ran from 4.03% (Q4 2024) to 4.23% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.76% | 1.74% | 0.38% | 7.52% | 4.19% |
| Q1 2026 | 13.15% | 1.68% | 0.52% | 7.33% | 4.16% |
| Q4 2025 | 13.32% | 1.27% | 0.52% | 6.31% | 4.23% |
| Q3 2025 | 12.94% | 1.79% | 0.45% | 5.22% | 4.18% |
| Q2 2025 | 12.95% | 1.78% | 0.32% | 4.22% | 4.06% |
| Q1 2025 | 13.05% | 1.83% | 0.39% | 4.73% | 4.23% |
| Q4 2024 | 13.14% | 1.07% | 0.30% | 4.07% | 4.03% |
| Q3 2024 | 12.87% | 1.56% | 0.29% | 4.06% | 4.09% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 Perry County (main office) | Lobelville , TN | 37097 | $91.1M |
| Linden Branch | Linden , TN | 37096 | $77.3M |
| Bank of Lewis County, A Branch of Bank of Perry County | Hohenwald , TN | 38462 | $55.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 104 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $91K approved, $91K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (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 Perry County
What are Bank of Perry County's total assets?
As of the Q2 2026 filing, Bank of Perry County reported total assets of $253.1 million in its FFIEC call report.
Where is Bank of Perry County headquartered?
It is headquartered in Lobelville, TN, United States.
When was Bank of Perry County founded?
It was established in 1905, per the FDIC institution directory.
Is Bank of Perry County FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1713). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Perry County?
Bank of Perry County's primary federal regulator is the FDIC.
What is Bank of Perry County's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.76% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of Perry County operate?
It operates 3 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 Perry County's Texas Ratio?
Its Texas Ratio is 7.52% 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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