Bank of Halls: how it compares with its peers
Against 29 TN banks with half to twice its assets, Bank of Halls's strongest measure in Q2 2026 is assets per employee ($8.4M vs. a $6.0M peer median). Its weakest relative measure is net interest margin (3.32% vs. 4.12%).
| Measure | Bank of Halls | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.02% | 0.89% | Middle third Ahead of 59% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.32% | 4.12% | Bottom third Ahead of 7% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.63% | 68.15% | Top third Ahead of 83% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.4M | $6.0M | Top third Ahead of 97% of peers |
| Loans to deposits Net loans and leases over total deposits. | 51.05% | 79.62% | Context |
What it means for lending operations
Its efficiency ratio of 55.63% is better than the 68.15% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Gleason Gleason, TN · $138M
- Home Banking Company Selmer, TN · $124M
- Greenfield Banking Company Greenfield, TN · $151M
- The Peoples Bank Sardis, TN · $113M
- Central Bank Savannah, TN · $160M
- The Bank of Milan Milan, TN · $101M
Questions about Bank of Halls
How big is Bank of Halls?
Bank of Halls, established in 1899, is headquartered in Halls, TN. It reported $135M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Bank of Halls's return on assets?
1.02% annualized in Q2 2026, against a 0.89% median for 29 TN banks with half to twice its assets, ahead of 59% of them.
What is Bank of Halls's efficiency ratio?
55.63% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 68.15%, and lower is better.
Is Bank of Halls growing its loans?
Net loans grew 14.7% over the year to Q2 2026, while deposits grew 1.2%.
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.