Bank Safety Analysis
Is The Lauderdale County Bank Safe? Halls, Tennessee
Based on its Q3 2026 call report, The Lauderdale County Bank meets the community bank leverage ratio test for well capitalized, its Texas ratio is 5.12%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is The Lauderdale County Bank safe?
On its Q3 2026 call report, The Lauderdale County Bank's Community Bank Leverage Ratio is 12.26%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 12.26%
- Texas ratio (Q3 2026): 5.12%
- Noncurrent loans ratio (Q3 2026): 1.07%
The Lauderdale County Bank is an FDIC-insured commercial bank (FDIC Certificate #22835). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report The Lauderdale County Bank (FDIC Certificate #22835) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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The Lauderdale County Bank passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
The standout move of Q3 2026 was in nonperforming loan ratio (nonaccrual plus 90+ days past due): 0.43 percentage points lower than in Q2 2026, at 1.07%. The Lauderdale County Bank ranks 24th of 109 Tennessee banks on leverage ratio, in the upper half at 12.26% (Q3 2026). The median for banks in the < $100M asset tier is 12.88% on leverage ratio. The Lauderdale County Bank sits 0.61 points lower, at 12.26% (Q3 2026).
From Q4 2023 to Q3 2026, The Lauderdale County Bank's Texas ratio ranged between 0.76% (Q3 2024) and 6.72% (Q2 2026). Between Q3 2025 and Q3 2026, The Lauderdale County Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.78% to 1.07%, Texas ratio rose from 3.50% to 5.12% and return on assets rose from 0.76% to 0.95%.
By total assets at Q3 2026, The Lauderdale County Bank is the 108th largest of the 109 banks headquartered in Tennessee. Commercial and industrial loans are its largest loan category, $13.3M of $30.8M in total loans on its September 30, 2026 call report. Against the 567 banks with under $100M in assets for Q3 2026, The Lauderdale County Bank's community bank leverage ratio of 12.26% is below the 12.88% median, nonperforming loans ratio of 1.07% is above the 0.36% median, Texas ratio of 5.12% is above the 1.89% median, and efficiency ratio of 72.10% is above the 69.32% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
The Lauderdale County Bank's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does The Lauderdale County Bank score on capital, credit and costs?
Peer cohort: Under $100M (568 banks) · Industry averages as of Q3 2026.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 0.36%.
Median of the 567 banks with under $100M in assets, Q3 2026: 1.89%.
Median of the 567 banks with under $100M in assets, Q3 2026: 69.32%.
Does The Lauderdale County Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 5.12% | Within range |
| Nonperforming loan ratio BankRegReports band | 1.07% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 52.72% | Within range |
| Commercial real estate to capital supervisory threshold | 15.80% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 5.12% |
| Q2 2026 | 6.72% |
| Q1 2026 | 4.27% |
| Q4 2025 | 5.16% |
| Q3 2025 | 3.50% |
| Q2 2025 | 4.54% |
| Q1 2025 | 3.88% |
| Q4 2024 | 1.35% |
| Q3 2024 | 0.76% |
| Q2 2024 | 2.27% |
| Q1 2024 | 2.32% |
| Q4 2023 | 0.95% |
Loans by type, Q3 2026
- Commercial and industrial loans: $13.3M
- 1-4 family residential loans: $6.4M
- Auto loans: $2.5M
- Other consumer loans: $2.2M
- Agricultural production loans: $1.9M
- Owner-occupied commercial real estate loans: $1.8M
- Non-owner-occupied commercial real estate loans: $1.0M
- Multifamily loans: $200K
How have The Lauderdale County Bank's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $65.6M | 12.26% | 1.07% | 5.12% | 72.10% |
| Jun 30, 2026 | $67.5M | 11.54% | 1.50% | 6.72% | 71.03% |
| Mar 31, 2026 | $70.5M | 11.36% | 0.96% | 4.27% | 73.63% |
| Dec 31, 2025 | $67.2M | 12.31% | 1.19% | 5.16% | 74.28% |
| Sep 30, 2025 | $62.7M | 12.38% | 0.78% | 3.50% | 74.48% |
| Jun 30, 2025 | $62.9M | 12.03% | 0.97% | 4.54% | 74.61% |
| Mar 31, 2025 | $64.5M | 11.88% | 0.83% | 3.88% | 79.04% |
| Dec 31, 2024 | $62.0M | 11.76% | 0.29% | 1.35% | 80.30% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is The Lauderdale County Bank FDIC insured?
Yes. The Lauderdale County Bank is an FDIC-insured commercial bank (FDIC Certificate #22835). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is The Lauderdale County Bank well capitalized?
On its Q3 2026 call report, The Lauderdale County Bank's Community Bank Leverage Ratio is 12.26%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are The Lauderdale County Bank's key safety ratios?
For Q3 2026, The Lauderdale County Bank reports leverage 12.26%, Texas ratio 5.12%, noncurrent loans 1.07%. Its Texas ratio compares with the 1.89% median for the 567 banks with under $100M in assets.
What happens to my deposits if The Lauderdale County Bank fails?
For Q3 2026, The Lauderdale County Bank reported $58.4M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full The Lauderdale County Bank profile.
How we score this
The Lauderdale County Bank elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Every ratio The Lauderdale County Bank is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 22835) · FFIEC NIC profile (RSSD 82350)
Explore: Full The Lauderdale County Bank profile · Other banks in TN · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.