Bank of Dickson: how it compares with its peers
Against 48 TN banks with half to twice its assets, Bank of Dickson's strongest measure in Q2 2026 is efficiency ratio (71.90% vs. a 66.86% peer median). Its weakest relative measure is net interest margin (3.43% vs. 4.01%).
| Measure | Bank of Dickson | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.79% | 0.96% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.43% | 4.01% | Bottom third Ahead of 17% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.90% | 66.86% | Middle third Ahead of 35% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $6.4M | Middle third Ahead of 35% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.39% | 83.04% | Context |
What it means for lending operations
Its efficiency ratio of 71.90% is above the 66.86% 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
- Bank of Crockett Bells, TN · $299M
- Sonata Bank Brentwood, TN · $282M
- Newport Federal Bank Newport, TN · $277M
- Citizens Bank and Trust Company of Grainger County Rutledge, TN · $273M
- TNBANK Oak Ridge, TN · $318M
- People's Bank and Trust Company of Pickett County Byrdstown, TN · $319M
Questions about Bank of Dickson
How big is Bank of Dickson?
Bank of Dickson, established in 1954, is headquartered in Dickson, TN. It reported $291M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Bank of Dickson's return on assets?
0.79% annualized in Q2 2026, against a 0.96% median for 48 TN banks with half to twice its assets, ahead of 31% of them.
What is Bank of Dickson's efficiency ratio?
71.90% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 66.86%, and lower is better.
Is Bank of Dickson growing its loans?
Net loans grew 0.7% over the year to Q2 2026, while deposits grew 2.6%.
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.