Total Assets
$317M
Total balance-sheet footings
FDIC Cert #6101 · Decaturville, Tennessee · Est. 1899
Decatur County Bank - FDIC Bank Health Profile
A community-scale look at Decatur County Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $317M
- Total assets
- B
- Health grade · Good
- 0.79%
- Return on assets
- 11.0%
- Tier 1 capital
Data updated July 2026
The verdict
Decatur County Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 11.01% Tier 1, 0.79% ROA, 79% efficiency ratio.
- #2,412
- largest of 4,313 FDIC banks by assets
- 44th
- percentile by asset size, nationally
- 11.01%
- Tier 1 ratio - above the 10% well-capitalized line
- 29th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Decatur County Bank's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Decatur County Bank's composite health score
Tier 1 Capital Ratio (11.01%) 28/40
Return on Assets (ROA) (0.79%) 14/25
Texas Ratio (2.18%) 20/20
Efficiency Ratio (78.82%) 4/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$286M
Customer-funded liabilities
Net Loans
$258M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Decatur County Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Decatur County Bank's score of 66/100 falls in the highlighted band.
Decatur County Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Decatur County Bank's $317M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.01% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.01%
Texas Ratio
2.18%
Equity Capital
$27M
Profitability metrics
Return on Assets (ROA)
29th percentile nationally
0.79%
Return on Equity (ROE)
10.60%
Efficiency Ratio
78.82%
What the numbers say about Decatur County Bank
Decatur County Bank is an FDIC-insured institution (Certificate #6101) headquartered in Decaturville, Tennessee, established in 1899. It holds $317M in total assets - 2,412th of 4,313 FDIC-insured banks, $286M in customer deposits, and $258M in net loans. Its capital position: a Tier 1 ratio of 11.01%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.18% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Decatur County Bank sits 72nd of 111 banks headquartered in Tennessee by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$18M
Interest Income
$1M
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Decatur County Bank reports a Texas Ratio of 2.18% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.18% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Tennessee by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Decatur County Bank (FDIC Cert #6101) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First Horizon BankMemphis | $83.6B | B | 1.35% |
| Pinnacle BankNashville | $57.6B | A | 1.25% |
| FirstBankNashville | $16.3B | B | 0.89% |
| Wilson Bank and TrustLebanon | $5.9B | A | 1.38% |
| SmartBankPigeon Forge | $5.9B | B | 1.00% |
| SouthEast BankFarragut | $3.5B | C | 0.68% |
| Home Federal Bank of TennesseeKnoxville | $2.7B | C | 0.21% |
| Builtwell BankChattanooga | $2.3B | A | 2.07% |
Frequently asked questions
What is Decatur County Bank's health grade?▼
Decatur County Bank receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Decatur County Bank?▼
Decatur County Bank holds $317M in total assets and $286M in deposits, ranking 2,412th of 4,313 FDIC-insured banks by asset size. It is headquartered in Decaturville, Tennessee.
Is my money safe at Decatur County Bank?▼
Yes, deposits at Decatur County Bank (Certificate #6101) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Decatur County Bank's Tier 1 Capital Ratio?▼
Decatur County Bank has a Tier 1 Capital Ratio of 11.01%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Decatur County Bank?▼
Decatur County Bank has a Texas Ratio of 2.18%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Decatur County Bank?▼
Decatur County Bank has an Efficiency Ratio of 78.82%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Decatur County Bank's profile as a depositor or analyst.
- Decatur County Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Decatur County Bank against other Tennessee banks before moving funds. Tennessee banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.