The Lauderdale County Bank
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Data as of · sourced from FFIEC call reports. How we update
The Lauderdale County Bank is an FDIC-insured commercial bank headquartered in Halls, TN, established in 1979 (FDIC certificate 22835), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $67.5M, up 7.3% from Q2 2025, the 108th largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.54% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22835
- Headquarters
- Halls, TN
- Established
- 1979
- Total assets, Q2 2026
- $67.5M
- Assets vs Q2 2025
- +7.3%
- Tier 1 leverage ratio, Q2 2026
- 11.54%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 084303118
- Latest call report
- Q2 2026, FFIEC 051 · The Lauderdale County Bank call report
- Holding company
- LAUDERDALE COUNTY BANCSHARES, INC., THE
- Asset rank in state
- 108th of 109 in Tennessee
Problem loans are rising at The Lauderdale County Bank. Its balance sheet stood at $68 million at June 30, 2026, up 7.3% from a year earlier; it is based in Halls, Tennessee. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.50% of loans from 0.97% a year earlier.
Earnings jumped: net income for the quarter was $164,000, 32% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.1 million equal 27% of Tier 1 capital, down from 34% a year earlier. One more trend to watch: the commercial and industrial book ($14 million) is worsening: 1.26% of it is past due or on nonaccrual, up from 0.49% a year earlier.
As of June 30, 2026, The Lauderdale County Bank reported a return on assets of 0.94%, a nonperforming-loan ratio of 1.50% and a Texas ratio of 6.72%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Lauderdale County Bank is the 108th largest of the 109 banks headquartered in Tennessee. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 4.2% to $67.5M, loans rose 4.0% and deposits fell 5.0%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 43.9% of total loans, ahead of 1-4 family residential loans at 20.4%. The FDIC Summary of Deposits lists 2 offices for it, in Halls, TN and Ripley, TN; its Halls office books 60% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Lauderdale County Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 305 S Church St, Halls, TN 38040
- County
- Lauderdale
- 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 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 4, 1979
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $59.9M
- Allowance for credit losses
- $415K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $69.6M
- Average total loans
- $30.4M
- Average interest-bearing deposits
- $44.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 4, 1979
- FDIC Cert
- 22835
- Fed RSSD
- 82350
- Website
- www.lauderdalecountybank.com →
- Parent Holding Company
- LAUDERDALE COUNTY BANCSHARES, INC., THE (RSSD 2020691)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The Lauderdale County Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Lauderdale County Bank's total assets moved between a low of $61.4M (Q3 2023) and a high of $70.5M (Q1 2026) 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
$67.5M total assets against $62.9M; $61.1M total liabilities against $57.1M.
$30.5M net loans and leases against $28.8M; $59.9M total deposits against $55.9M.
$22.0M securities against $18.5M; $11.4M cash and balances due against $11.9M.
$884K total interest income against $825K; $233K total interest expense against $214K.
$651K net interest income against $611K.
$58K total noninterest income against $53K; $507K total noninterest expense against $497K.
$5K provision for credit losses against $0.
$164K net income against $124K.
0.94% return on assets against 0.79%; 3.95% net interest margin against 4.03%.
11.54% tier 1 leverage ratio against 12.03%.
Inside the full The Lauderdale County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.49% (Q4 2024) to 1.06% (Q4 2025) and its net interest margin ran from 3.74% (Q4 2024) to 4.15% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.54% | 0.94% | 1.50% | 6.72% | 3.95% |
| Q1 2026 | 11.36% | 0.82% | 0.96% | 4.27% | 3.77% |
| Q4 2025 | 12.31% | 1.06% | 1.19% | 5.16% | 4.11% |
| Q3 2025 | 12.38% | 0.76% | 0.78% | 3.50% | 4.15% |
| Q2 2025 | 12.03% | 0.79% | 0.97% | 4.54% | 4.03% |
| Q1 2025 | 11.88% | 0.69% | 0.83% | 3.88% | 3.80% |
| Q4 2024 | 11.76% | 0.49% | 0.29% | 1.35% | 3.74% |
| Q3 2024 | 11.83% | 0.76% | 0.17% | 0.76% | 3.84% |
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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 |
|---|---|---|---|
| The Lauderdale County Bank | Halls , TN | 38040 | $35.9M |
| Cleveland Street Branch | Ripley , TN | 38063 | $24.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 150 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $86K approved, $86K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (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 The Lauderdale County Bank
What are The Lauderdale County Bank's total assets?
As of the Q2 2026 filing, The Lauderdale County Bank reported total assets of $67.5 million in its FFIEC call report.
Where is The Lauderdale County Bank headquartered?
It is headquartered in Halls, TN, United States.
When was The Lauderdale County Bank founded?
It was established in 1979, per the FDIC institution directory.
Is The Lauderdale County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22835). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Lauderdale County Bank?
The Lauderdale County Bank's primary federal regulator is the FDIC.
How many branches does The Lauderdale County Bank 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 The Lauderdale County Bank's Texas Ratio?
Its Texas Ratio is 6.72% 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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