Bank of Perry 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 30.71 percentage points higher than in Q1 2026, at 273.87%. Within Tennessee, Bank of Perry County is 23rd of 109 on return on assets, 1.74% as of Q2 2026, above the middle of the field. Bank of Perry County reported 1.74% on return on assets for Q2 2026, 0.49 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.76% |
| Tier 1 risk-based capital ratio | 12.76% |
| Total risk-based capital ratio | 13.91% |
| Tier 1 leverage ratio | 9.11% |
| Equity capital to assets | 9.09% |
| Tangible equity to tangible assets | 9.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.36% |
| Non-performing assets ratio | 0.73% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 7.93% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 273.87% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.74% |
| Return on equity | 19.06% |
| Net interest margin | 4.19% |
| Efficiency ratio | 56.79% |
| Yield on earning assets | 6.52% |
| Cost of funds | 2.45% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.46% |
| Core deposits to total deposits | 78.68% |
| Brokered deposits to total deposits | 10.75% |
| Deposits to assets | 88.61% |
| Securities to assets | 4.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.60% | 12.60% | 13.81% | 9.08% | 1.80% |
| Q4 2023 | 12.94% | 12.94% | 14.14% | 9.05% | 1.21% |
| Q1 2024 | 13.18% | 13.18% | 14.40% | 9.21% | 1.55% |
| Q2 2024 | 12.97% | 12.97% | 14.18% | 9.25% | 1.57% |
| Q3 2024 | 12.87% | 12.87% | 14.05% | 9.16% | 1.56% |
| Q4 2024 | 13.14% | 13.14% | 14.29% | 9.17% | 1.07% |
| Q1 2025 | 13.05% | 13.05% | 14.22% | 9.28% | 1.83% |
| Q2 2025 | 12.95% | 12.95% | 14.10% | 9.06% | 1.78% |
| Q3 2025 | 12.94% | 12.94% | 14.09% | 9.09% | 1.79% |
| Q4 2025 | 13.32% | 13.32% | 14.46% | 9.39% | 1.27% |
| Q1 2026 | 13.15% | 13.15% | 14.31% | 9.39% | 1.68% |
| Q2 2026 | 12.76% | 12.76% | 13.91% | 9.11% | 1.74% |
Bank of Perry County vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Perry 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 Bank of Perry County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1713) · FFIEC NIC profile (RSSD 284239)