Headquartered in Halls, Tennessee, The Lauderdale County Bank is a state-chartered bank with $67.5M in total assets and $59.9M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1979.
Based on its Q2 2026 filing, The Lauderdale County Bank scores 67/100, which we describe as moderate. That is higher than only 30% of 546 banks with under $100 million in assets. Among 109 banks headquartered in Tennessee, it ranks 73rd. Its strongest component is funding & liquidity (98/100; 51% loans-to-deposits, 17% uninsured), and its lowest is loan quality (50/100; 1.50%).
TellerScore · Q2 2026
Scorecard
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 5 points (72 → 67), mostly because the loan quality component weakened by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 80 |
| Q4 2024 | 78 |
| Q1 2025 | 72 |
| Q2 2025 | 72 |
| Q3 2025 | 75 |
| Q4 2025 | 71 |
| Q1 2026 | 70 |
| Q2 2026 | 67 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.99% |
| Q3 2024 | 11.83% |
| Q4 2024 | 11.76% |
| Q1 2025 | 11.88% |
| Q2 2025 | 12.03% |
| Q3 2025 | 12.38% |
| Q4 2025 | 12.31% |
| Q1 2026 | 11.36% |
| Q2 2026 | 11.54% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.46% |
| Q3 2024 | 0.17% |
| Q4 2024 | 0.29% |
| Q1 2025 | 0.83% |
| Q2 2025 | 0.97% |
| Q3 2025 | 0.78% |
| Q4 2025 | 1.19% |
| Q1 2026 | 0.96% |
| Q2 2026 | 1.50% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.93% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.78% |
| Q1 2025 | 0.68% |
| Q2 2025 | 0.73% |
| Q3 2025 | 0.74% |
| Q4 2025 | 0.81% |
| Q1 2026 | 0.83% |
| Q2 2026 | 0.89% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $67.5M | 11.54% | 1.50% | 0.89% | 50.9% |
| Q1 2026 | 70 | $70.5M | 11.36% | 0.96% | 0.83% | 46.5% |
| Q4 2025 | 71 | $67.2M | 12.31% | 1.19% | 0.81% | 48.9% |
| Q3 2025 | 75 | $62.7M | 12.38% | 0.78% | 0.74% | 52.4% |
| Q2 2025 | 72 | $62.9M | 12.03% | 0.97% | 0.73% | 51.6% |
| Q1 2025 | 72 | $64.5M | 11.88% | 0.83% | 0.68% | 48.2% |
| Q4 2024 | 78 | $62.0M | 11.76% | 0.29% | 0.78% | 47.4% |
| Q3 2024 | 80 | $62.3M | 11.83% | 0.17% | 0.87% | 48.0% |
| Q2 2024 | 78 | $61.8M | 11.99% | 0.46% | 0.93% | 48.9% |
546 peers · Under $100 million in assets
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).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Highland Federal Savings and Loan AssociationBank Crossville, TN | 89 out of 100, Very strong | $79.0M | 22.2% | 0.00% | vs |
| Brighton BankBank Brighton, TN | 63 out of 100, Moderate | $51.0M | 9.8% | 0.07% | vs |
| Farmers BankBank Parsons, TN | 60 out of 100, Moderate | $94.8M | 9.1% | 0.31% | vs |
| Lawrenceburg Federal BankBank Lawrenceburg, TN | 79 out of 100, Strong | $95.2M | 18.4% | 0.41% | vs |
| Union Bank & Trust CompanyBank Livingston, TN | 66 out of 100, Moderate | $98.1M | 12.9% | 2.63% | vs |
Deposit insurance
Is my money safe at The Lauderdale County Bank?
Yes. The Lauderdale County Bank is an FDIC-insured institution (FDIC certificate #22835). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.7% of deposits ($10.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
The Lauderdale County Bank lists 2 offices in 2 cities. Most locations:
- Halls, TN (1)
- Ripley, TN (1)
Identity & history
Profile
- Legal name
- The Lauderdale County Bank
- Type
- State-chartered bank
- FDIC certificate #
- 22835
- RSSD ID
- 82350
- Primary regulator
- FDIC
- Holding company
- Lauderdale Cnty Bancshares Inc
- Established
- April 4, 1979
- Headquarters
- 305 S Church St, Halls, TN 38040
- Website
- www.lauderdalecountybank.com
- Employees
- 19
Quick answers
The Lauderdale County Bank: common questions
Is The Lauderdale County Bank FDIC insured?
Yes. The Lauderdale County Bank is an FDIC-insured institution (FDIC certificate #22835). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Lauderdale County Bank's TellerScore?
67 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 The Lauderdale County Bank ever failed?
There is no failure record for FDIC certificate #22835 in the FDIC failed bank list.
How many branches does The Lauderdale County Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Halls
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First South Financial Federal Credit UnionCredit union Bartlett, TN | 95 out of 100, Very strong | $844.8M | 30.2% | 0.22% | vs |
| Security Bank and Trust CompanyBank Paris, TN | 79 out of 100, Strong | $1.7B | 10.9% | 0.02% | vs |
| Bank of CrockettBank Bells, TN | 76 out of 100, Strong | $299.1M | 10.5% | 0.29% | vs |
| Foundation BankBank Mc Kenzie, TN | 75 out of 100, Strong | $217.9M | 14.7% | 2.39% | vs |
| The Park National BankBank Newark, OH | 72 out of 100, Strong | $12.6B | 10.3% | 0.86% | vs |
| Security BankBank Newbern, TN | 70 out of 100, Strong | $224.1M | 10.5% | 0.54% | vs |