The Bank of Fayette County: how it compares with its peers
Against 38 TN banks with half to twice its assets, The Bank of Fayette County's strongest measure in Q2 2026 is net interest margin (4.03% vs. a 3.96% peer median). Its weakest relative measure is assets per employee ($5.0M vs. $7.0M).
| Measure | The Bank of Fayette County | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.98% | 1.30% | Bottom third Ahead of 21% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.03% | 3.96% | Middle third Ahead of 55% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.48% | 56.62% | Bottom third Ahead of 32% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.0M | $7.0M | Bottom third Ahead of 5% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.49% | 81.96% | Context |
What it means for lending operations
Its efficiency ratio of 65.48% is above the 56.62% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Financial Federal Bank Memphis, TN · $1.12B
- First Federal Bank Dickson, TN · $1.11B
- Thread Bank Rogersville, TN · $1.11B
- Commercial Bank & Trust Co. Paris, TN · $1.08B
- InsBank Nashville, TN · $1.08B
- Centennial Bank Trezevant, TN · $1.06B
Questions about The Bank of Fayette County
How big is The Bank of Fayette County?
The Bank of Fayette County, established in 1905, is headquartered in Piperton, TN. It reported $1.14B in total assets in its Q2 2026 FDIC call report and operates 15 offices.
What is The Bank of Fayette County's return on assets?
0.98% annualized in Q2 2026, against a 1.30% median for 38 TN banks with half to twice its assets, ahead of 21% of them.
What is The Bank of Fayette County's efficiency ratio?
65.48% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 56.62%, and lower is better.
Is The Bank of Fayette County growing its loans?
Net loans grew 7.2% over the year to Q2 2026, while deposits grew 8.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Tennessee bank ranked.