TellerScore

Bank of Halls (FDIC certificate #10315) is based in Halls, Tennessee. Its Q2 2026 call report shows $134.6M in total assets and $123.2M in deposits and 2 offices.

Based on its Q2 2026 filing, Bank of Halls scores 64/100, which we describe as moderate. That is higher than only 26% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 82nd. Its strongest component is problem-loan coverage (98/100; 0.9%), and its lowest is capital cushion (30/100; 7.95%).

TellerScore · Q2 2026

Scorecard

Capital cushion30/100
Tier 1 leverage ratio: 7.95%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.15%
Earnings61/100
Return on assets (annualized): 1.02%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 51.0% · 47.9% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.86%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 24 points (40 → 64), mostly because the loan quality component improved by 89 points.

TellerScore
405365Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202453
Q3 202462
Q4 202460
Q1 202553
Q2 202540
Q3 202565
Q4 202562
Q1 202661
Q2 202664
Tier 1 leverage ratio
5.00%6.76%8.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.36%
Q3 20247.91%
Q4 20247.85%
Q1 20257.79%
Q2 20258.20%
Q3 20258.52%
Q4 20257.93%
Q1 20268.01%
Q2 20267.95%
Noncurrent loans
0.15%1.48%2.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.14%
Q3 20240.44%
Q4 20240.51%
Q1 20250.99%
Q2 20252.82%
Q3 20250.28%
Q4 20250.28%
Q1 20260.31%
Q2 20260.15%
Return on assets
0.71%0.88%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.97%
Q3 20241.00%
Q4 20241.00%
Q1 20250.71%
Q2 20251.05%
Q3 20250.97%
Q4 20250.98%
Q1 20260.97%
Q2 20261.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$134.6M7.95%0.15%1.02%51.0%
Q1 202661$134.9M8.01%0.31%0.97%47.9%
Q4 202562$139.5M7.93%0.28%0.98%43.9%
Q3 202565$129.1M8.52%0.28%0.97%46.1%
Q2 202540$132.8M8.20%2.82%1.05%45.1%
Q1 202553$140.9M7.79%0.99%0.71%38.6%
Q4 202460$135.9M7.85%0.51%1.00%40.8%
Q3 202462$128.7M7.91%0.44%1.00%43.8%
Q2 202453$135.8M7.36%1.14%0.97%39.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio7.95%
2nd
Total risk-based capital13.88%
61st
Problem loans0.15%
69th
Net charge-offs0.00%
68th
Return on assets1.02%
35th
Net interest margin3.32%
21st
Efficiency ratio55.6%
70th
Loans to deposits51.0%
91st
Uninsured deposits47.9%
5th
Loan-loss reserves1.45%
75th
Texas ratio0.9%
71st

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of GleasonBank Gleason, TN90 out of 100, Very strong$138.5M20.9%0.14%vs
Home Banking CompanyBank Selmer, TN57 out of 100, Moderate$124.0M10.1%1.49%vs
Greenfield Banking CompanyBank Greenfield, TN59 out of 100, Moderate$151.2M8.5%1.03%vs
The Peoples BankBank Sardis, TN62 out of 100, Moderate$113.1M10.6%1.21%vs
Central BankBank Savannah, TN78 out of 100, Strong$160.2M12.0%0.00%vs
The Bank of MilanBank Milan, TN72 out of 100, Strong$101.1M9.5%0.99%vs

Deposit insurance

Is my money safe at Bank of Halls?

Yes. Bank of Halls is an FDIC-insured institution (FDIC certificate #10315). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 47.9% of deposits ($59.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 7.95%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.88% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Bank of Halls lists 2 offices in 1 city. Most locations:

  • Halls, TN (2)

All branch addresses and map

Identity & history

Profile

Legal name
Bank of Halls
Type
State-chartered bank (Fed member)
FDIC certificate #
10315
RSSD ID
145059
Primary regulator
FED
Holding company
Security Bcorp of Tn Inc
Established
October 13, 1899
Headquarters
101 E Main St, Halls, TN 38040
Employees
16

Quick answers

Bank of Halls: common questions

Is Bank of Halls FDIC insured?

Yes. Bank of Halls is an FDIC-insured institution (FDIC certificate #10315). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Halls's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Halls ever failed?

There is no failure record for FDIC certificate #10315 in the FDIC failed bank list.

How many branches does Bank of Halls have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Halls

InstitutionScoreAssetsCapitalProblem loansCompare
First South Financial Federal Credit UnionCredit union Bartlett, TN95 out of 100, Very strong$844.8M30.2%0.22%vs
Security Bank and Trust CompanyBank Paris, TN79 out of 100, Strong$1.7B10.9%0.02%vs
Bank of CrockettBank Bells, TN76 out of 100, Strong$299.1M10.5%0.29%vs
Foundation BankBank Mc Kenzie, TN75 out of 100, Strong$217.9M14.7%2.39%vs
The Park National BankBank Newark, OH72 out of 100, Strong$12.6B10.3%0.86%vs
Security BankBank Newbern, TN70 out of 100, Strong$224.1M10.5%0.54%vs