Decatur County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Decatur County Bank of Decaturville, TN against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.79% | 1.35% | -0.56% | 23rd bottom |
| ROAE | 9.58% | 13.32% | -3.74% | 34th below |
| Net Interest Margin | 3.92% | 3.93% | -0.01% | 49th below |
| Efficiency Ratio | 78.00% | 61.13% | +16.87% | 16th bottom |
| PPNR / Avg Assets | 0.87% | 1.68% | -0.81% | 17th bottom |
| Yield on Earning Assets | 6.16% | 5.67% | +0.49% | 76th top |
| Cost of Funds | 2.37% | 1.88% | +0.49% | 19th bottom |
| Net Interest Spread | 3.32% | 3.32% | +0.00% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.06% | 0.94% | +0.12% | 27th below |
| NPA / Total Assets | 1.01% | 0.70% | +0.31% | 20th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 33rd below |
| ACL / Total Loans | 0.97% | 1.28% | -0.31% | 23rd bottom |
| ACL / NPLs (Coverage) | 92.23% | 1546.62% | -1454.39% | 25th below |
| Texas Ratio | 11.13% | 7.34% | +3.79% | 19th bottom |
| Provision / NCO | 0.00% | 1395.53% | -1395.53% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.01% | 19.49% | -8.48% | 9th bottom |
| Tier 1 Ratio | 11.01% | 19.52% | -8.51% | 8th bottom |
| Total Capital Ratio | 12.00% | 20.61% | -8.61% | 8th bottom |
| Leverage Ratio | 9.03% | 12.14% | -3.11% | 13th bottom |
| Equity / Assets | 8.27% | 11.37% | -3.10% | 17th bottom |
| TCE / Tangible Assets | 8.27% | 11.08% | -2.81% | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.38% | 80.66% | +6.72% | 34th below |
| Core Deposit Ratio | 82.56% | 86.85% | -4.29% | 22nd bottom |
| Wholesale Funding Ratio | 0.26% | 5.04% | -4.78% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.21% | 6.84% | +3.37% | 83rd top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.38% | 7.92% | -0.54% | 62nd above |
| Deposit Growth (Y/Y) | 9.53% | 6.29% | +3.24% | 81st top |
See Decatur County Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Decatur County Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Decatur County Bank profile, how to read a UBPR, or how this data updates.