The Bank of Fayette County: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
The Bank of Fayette County is the primary bank subsidiary of its parent holding company, headquartered in Piperton, TN, in the Memphis metropolitan banking region. Returns are in line with industry norms at 1.02% ROA and 11.11% ROE; net interest margin is 4.07%. The Q2 2026 balance sheet stands at $1.1B in assets, including $934M in loans. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.59% exceeds the CBLR threshold. Credit metrics are in line with industry norms, 1.45% NPL ratio. The Bank of Fayette County operates a 15-branch network.
As of June 30, 2026, The Bank of Fayette County reported a Tier 1 leverage ratio of 9.59%, a return on assets of 1.02%, a nonperforming-loan ratio of 1.45%, a Texas ratio of 15.19%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1265 Highway 57, Piperton, TN 38017
- County
- Fayette
- Metro Area
- Memphis, TN-Ms-Ar
- 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
- April 26, 1905
- Former names
- The Bank of Fayette County (2004); The Bank of Moscow (1990-2004)
- Offices
- 15 domestic
- Employees (FTE)
- 229
- Domestic deposits
- $987.7M
- Allowance for credit losses
- $10.8M
- Net charge-offs (YTD)
- $202K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10308
- Fed RSSD
- 466754
- SEC CIK
- 760914 → filed by MOSCOW BANCSHARES, INC.
- Website
- www.thebank1905.com →
- Parent Holding Company
- MOSCOW BANCSHARES, INC. (RSSD 1099896)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.59% | 1.02% | 1.45% | 15.19% | 4.07% |
| Q1 2026 | 9.57% | 0.95% | 1.32% | 12.82% | 3.91% |
| Q4 2025 | 9.54% | 0.93% | 1.22% | 10.98% | 4.05% |
| Q3 2025 | 9.64% | 0.91% | 1.30% | 11.85% | 3.98% |
| Q2 2025 | 9.67% | 1.14% | 1.24% | 13.44% | 3.96% |
| Q1 2025 | 9.94% | 1.04% | 1.01% | 10.11% | 3.86% |
| Q4 2024 | 9.69% | 1.09% | 1.06% | 11.44% | 3.91% |
| Q3 2024 | 9.92% | 1.10% | 1.01% | 11.64% | 3.83% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 15 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of Fayette County | Piperton , TN | 38017 | $255.9M |
| Collierville Branch | Collierville , TN | 38017 | $137.4M |
| Somerville Branch | Somerville , TN | 38068 | $131.7M |
| Oaklnad Branch | Oakland , TN | 38060 | $79.3M |
| Bolivar Branch | Bolivar , TN | 38008 | $68.2M |
| Arlington Branch | Arlington , TN | 38002 | $48.2M |
| Moscow - Express Branch | Moscow , TN | 38057 | $42.9M |
| Selmer Branch | Selmer , TN | 38375 | $42.7M |
| Grand Junction Lagrange Branch | Grand Junction , TN | 38039 | $40.6M |
| Hickory Withe Branch | Eads , TN | 38028 | $39.5M |
| Covington Branch | Covington , TN | 38019 | $34.3M |
| Whiteville Branch | Whiteville , TN | 38075 | $32.3M |
| Trust Company Bank-Mason Branch Office | Mason , TN | 38049 | $18.5M |
| Chester County Branch | Henderson , TN | 38340 | $12.8M |
| Adamsville Branch | Adamsville , TN | 38310 | $3.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 30, 2016 | Structure Change | Acquired Trust Company Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 29, 2016 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for The Bank of Fayette County, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- April 26, 2018, Federal Reserve: Civil Money Penalty, $12,000: The Bank of Fayette County
- Period: Most recent institution action April 26, 2018. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in TN, rank 40 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Bank of Fayette County
What are The Bank of Fayette County's total assets?
As of the Q2 2026 filing, The Bank of Fayette County reported total assets of $1.14 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Bank of Fayette County headquartered?
The Bank of Fayette County is headquartered in Piperton, TN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Bank of Fayette County founded?
The Bank of Fayette County was established in 1905, per the FDIC institution directory.
Is The Bank of Fayette County FDIC-insured?
Yes. The Bank of Fayette County is an FDIC-insured commercial bank (FDIC Certificate #10308). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Fayette County?
The Bank of Fayette County's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does The Bank of Fayette County operate?
The Bank of Fayette County operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Fayette County's Texas Ratio?
The Bank of Fayette County's Texas Ratio is 15.19% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Bank of Fayette County previously called?
The charter now named The Bank of Fayette County has also operated as The Bank of Fayette County (2004), The Bank of Moscow (1990-2004), per FDIC structure-change records.
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