TellerScore

Decatur County Bank is a state-chartered bank (fed member) headquartered in Decaturville, Tennessee, in business for about 127 years. At the end of Q2 2026 it reported $325.6M in total assets and $295.3M in deposits, with 5 offices.

Based on its Q2 2026 filing, Decatur County Bank scores 59/100, which we describe as moderate. That is higher than only 17% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 93rd. Its strongest component is problem-loan coverage (79/100; 10.4%), and its lowest is capital cushion (40/100; 9.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Tier 1 leverage ratio: 9.03%
Loan quality67/100
Noncurrent loans ÷ total loans: 0.98%
Earnings55/100
Return on assets (annualized): 0.88%
Funding & liquidity74/100
Loans ÷ deposits and uninsured-deposit share: 86.5% · 13.3% uninsured
Problem-loan coverage79/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.43%

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 fell 3 points (62 → 59), mostly because the loan quality component weakened by 23 points.

TellerScore
596367Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202465
Q4 202464
Q1 202564
Q2 202562
Q3 202563
Q4 202566
Q1 202667
Q2 202659
Tier 1 leverage ratio
5.00%7.10%9.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.14%
Q3 20248.30%
Q4 20248.27%
Q1 20258.36%
Q2 20258.05%
Q3 20258.17%
Q4 20259.20%
Q1 20269.10%
Q2 20269.03%
Noncurrent loans
0.03%0.51%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.03%
Q4 20240.08%
Q1 20250.10%
Q2 20250.31%
Q3 20250.21%
Q4 20250.24%
Q1 20260.27%
Q2 20260.98%
Return on assets
0.61%0.79%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.63%
Q3 20240.72%
Q4 20240.70%
Q1 20250.61%
Q2 20250.70%
Q3 20250.71%
Q4 20250.79%
Q1 20260.96%
Q2 20260.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$325.6M9.03%0.98%0.88%86.5%
Q1 202667$321.2M9.10%0.27%0.96%86.2%
Q4 202566$317.2M9.20%0.24%0.79%90.1%
Q3 202563$301.4M8.17%0.21%0.71%90.6%
Q2 202562$295.5M8.05%0.31%0.70%88.3%
Q1 202564$287.8M8.36%0.10%0.61%88.2%
Q4 202464$288.0M8.27%0.08%0.70%86.8%
Q3 202465$280.3M8.30%0.03%0.72%87.8%
Q2 202464$283.3M8.14%0.05%0.63%87.0%

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 ratio9.03%
12th
Total risk-based capital12.00%
52nd
Problem loans0.98%
28th
Net charge-offs0.01%
47th
Return on assets0.88%
28th
Net interest margin3.95%
51st
Efficiency ratio78.1%
16th
Loans to deposits86.5%
34th
Uninsured deposits13.3%
86th
Loan-loss reserves0.97%
24th
Texas ratio10.4%
17th

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Elizabethton Federal Savings BankBank Elizabethton, TN86 out of 100, Very strong$326.0M42.3%0.25%vs
People's Bank and Trust Company of Pickett CountyBank Byrdstown, TN70 out of 100, Strong$319.0M10.8%0.73%vs
TnbankBank Oak Ridge, TN58 out of 100, Moderate$318.1M10.6%1.34%vs
Traditions First BankBank Erin, TN70 out of 100, Strong$336.6M9.9%0.01%vs
Bank of CrockettBank Bells, TN76 out of 100, Strong$299.1M10.5%0.29%vs
Citizens Community BankBank Winchester, TN90 out of 100, Very strong$352.6M14.6%0.38%vs

Deposit insurance

Is my money safe at Decatur County Bank?

Yes. Decatur County Bank is an FDIC-insured institution (FDIC certificate #6101). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.3% of deposits ($39.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.03%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.00% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Decatur County Bank lists 5 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Decatur County Bank reported 106 home-loan applications under HMDA (LEI 254900S61OCEX8MXZI58): 79 originated ($17,545,000 total), 20 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Decatur County Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
6101
RSSD ID
66154
Primary regulator
FED
Holding company
Decatur Bancshares Inc
Established
November 16, 1899
Headquarters
56 N Pleasant St, Decaturville, TN 38329
Employees
54

Quick answers

Decatur County Bank: common questions

Is Decatur County Bank FDIC insured?

Yes. Decatur County Bank is an FDIC-insured institution (FDIC certificate #6101). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Decatur County Bank's TellerScore?

59 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 Decatur County Bank ever failed?

There is no failure record for FDIC certificate #6101 in the FDIC failed bank list.

How many branches does Decatur County Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Decaturville

InstitutionScoreAssetsCapitalProblem loansCompare
Wayne County BankBank Waynesboro, TN84 out of 100, Strong$595.1M13.6%0.72%vs
Peoples BankBank Clifton, TN79 out of 100, Strong$445.3M12.7%0.39%vs
Bank of Perry CountyBank Lobelville, TN71 out of 100, Strong$253.1M9.1%0.38%vs
Community BankBank Lexington, TN64 out of 100, Moderate$357.5M10.6%0.71%vs
Regions BankBank Birmingham, AL64 out of 100, Moderate$159.8B9.5%0.93%vs
The Peoples BankBank Sardis, TN62 out of 100, Moderate$113.1M10.6%1.21%vs