Bank of Perry County: how it compares with its peers
Against 46 TN banks with half to twice its assets, Bank of Perry County's strongest measure in Q2 2026 is return on assets (1.71% vs. a 0.96% peer median). Its weakest relative measure is net interest margin (4.19% vs. 4.01%).
| Measure | Bank of Perry County | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.71% | 0.96% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.19% | 4.01% | Top third Ahead of 67% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.51% | 66.48% | Top third Ahead of 76% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $6.0M | Top third Ahead of 74% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.54% | 82.44% | Context |
What it means for lending operations
Its efficiency ratio of 56.51% is better than the 66.48% 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
- Mountain Valley Bank Dunlap, TN · $255M
- Union Bank Jamestown, TN · $247M
- Homeland Community Bank Mcminnville, TN · $244M
- Citizens Bank and Trust Company of Grainger County Rutledge, TN · $273M
- Farmers State Bank Mountain City, TN · $233M
- Peoples Bank of the South La Follette, TN · $232M
Questions about Bank of Perry County
How big is Bank of Perry County?
Bank of Perry County, established in 1905, is headquartered in Lobelville, TN. It reported $253M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Bank of Perry County's return on assets?
1.71% annualized in Q2 2026, against a 0.96% median for 46 TN banks with half to twice its assets, ahead of 83% of them.
What is Bank of Perry County's efficiency ratio?
56.51% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 66.48%, and lower is better.
Is Bank of Perry County growing its loans?
Net loans grew 7.2% over the year to Q2 2026, while deposits grew 6.6%.
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.