Decatur County Bank
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Data as of · sourced from FFIEC call reports. How we update
Decatur County Bank is an FDIC-insured commercial bank headquartered in Decaturville, TN, established in 1899 (FDIC certificate 6101), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $325.6M, up 10.2% from Q2 2025, the 71st largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 11.01% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 6101
- Headquarters
- Decaturville, TN
- Established
- 1899
- Total assets, Q2 2026
- $325.6M
- Assets vs Q2 2025
- +10.2%
- CET1 ratio, Q2 2026
- 11.01%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 084303639
- Holding company
- DECATUR BANCSHARES, INC
- Asset rank in state
- 71st of 109 in Tennessee
Problem loans are rising at Decatur County Bank. Based in Decaturville, Tennessee, it had $326 million in assets at June 30, 2026, up 10.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.98% of loans from 0.31% a year earlier. It holds common equity equal to 11.01% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also spends about 78 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Net income for the quarter rose 11% from a year earlier, to $644,000. Credit is the area to watch: it carries problem assets equal to 10.4% of the capital and reserves that would absorb them, 3.9 times the median of 2.6% for banks its size.
As of June 30, 2026, Decatur County Bank reported a CET1 capital ratio of 11.01%, a return on assets of 0.79%, a nonperforming-loan ratio of 0.98% and a Texas ratio of 10.43%. The figures come from its call report filed with the FFIEC.
Decatur County Bank ranks as the 71st 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 rose 1.4% to $325.6M, loans rose 1.8% and deposits rose 1.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 25.5% of total loans, ahead of commercial and industrial loans at 25.4%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in TN; its Jackson office books 36% of its branch deposits. By the capital ratios in its Q2 2026 call report, Decatur County Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 56 N Pleasant St, Decaturville, TN 38329
- County
- Decatur
- 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
- November 16, 1899
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 54
- Domestic deposits
- $295.3M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $12K
- Average total assets
- $325.3M
- Average total loans
- $254.3M
- Average interest-bearing deposits
- $243.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6101
- Fed RSSD
- 66154
- SEC CIK
- 1052399 → filed by DECATUR BANCSHARES, INC
- Website
- www.decaturcountybank.com →
- Parent Holding Company
- DECATUR BANCSHARES, INC (RSSD 2201883)
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, Decatur County Bank's total assets ranged from $268.8M (Q3 2023) to $325.6M (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
$325.6M total assets against $295.5M; $298.7M total liabilities against $274.2M.
$255.6M net loans and leases against $238.2M; $295.3M total deposits against $269.7M.
$30.6M securities against $30.8M; $20.9M cash and balances due against $8.7M.
$4.7M total interest income against $4.6M; $1.7M total interest expense against $1.8M.
$3.0M net interest income against $2.8M.
$344K total noninterest income against $309K; $2.6M total noninterest expense against $2.5M.
$40K provision for credit losses against $51K.
$644K net income against $581K.
0.79% return on assets against 0.77%; 3.92% net interest margin against 3.96%.
11.01% CET1 capital ratio against 10.15%; 9.03% tier 1 leverage ratio against 8.05%.
Inside the full Decatur County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Decatur County Bank rankings
Its closest position to the top of a national ranking is 598 of 3,640, for Texas Ratio; its furthest is 1,950 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.61% (Q1 2025) to 1.02% (Q4 2025) and its net interest margin ran from 3.82% (Q3 2024) to 4.08% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.01% | 0.79% | 0.98% | 10.43% | 3.92% |
| Q1 2026 | 11.41% | 0.95% | 0.27% | 2.35% | 3.90% |
| Q4 2025 | 11.01% | 1.02% | 0.24% | 4.30% | 4.08% |
| Q3 2025 | 9.91% | 0.70% | 0.21% | 2.13% | 4.05% |
| Q2 2025 | 10.15% | 0.77% | 0.31% | 3.15% | 3.96% |
| Q1 2025 | 9.98% | 0.61% | 0.10% | 1.58% | 3.92% |
| Q4 2024 | 10.04% | 0.66% | 0.08% | 0.80% | 3.91% |
| Q3 2024 | 10.36% | 0.89% | 0.03% | 0.33% | 3.82% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| West Tennessee Bank, Jackson Branch | Jackson , TN | 38305 | $107.8M |
| Decatur County Bank (main office) | Decaturville , TN | 38329 | $70.8M |
| Parsons Branch | Parsons , TN | 38363 | $66.9M |
| Brownsville Branch | Brownsville , TN | 38012 | $40.4M |
| Germantown Branch | Germantown , TN | 38138 | $9.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in TN, rank 95 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 106 applications, 79 loans originated, $17.5M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 7 loans, $4.1M approved, $581K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Decatur County Bank
What are Decatur County Bank's total assets?
As of the Q2 2026 filing, Decatur County Bank reported total assets of $325.6 million in its FFIEC call report.
Where is Decatur County Bank headquartered?
It is headquartered in Decaturville, TN, United States.
When was Decatur County Bank founded?
It was established in 1899, per the FDIC institution directory.
Is Decatur County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6101). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Decatur County Bank?
Decatur County Bank's primary federal regulator is the Federal Reserve.
What is Decatur County Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.01% in its Q2 2026 call report, above regulatory requirements.
How many branches does Decatur County Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Decatur County Bank's Texas Ratio?
Its Texas Ratio is 10.43% 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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