Decatur County Bank: how it compares with its peers
Against 50 TN banks with half to twice its assets, Decatur County Bank's strongest measure in Q2 2026 is assets per employee ($6.0M vs. a $6.4M peer median). Its weakest relative measure is efficiency ratio (78.14% vs. 66.86%).
| Measure | Decatur County Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.88% | 1.08% | Middle third Ahead of 42% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.95% | 4.06% | Middle third Ahead of 42% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.14% | 66.86% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $6.4M | Middle third Ahead of 46% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.53% | 83.04% | Context |
What it means for lending operations
Its efficiency ratio of 78.14% 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
- Elizabethton Federal Savings Bank Elizabethton, TN · $326M
- People's Bank and Trust Company of Pickett County Byrdstown, TN · $319M
- TNBANK Oak Ridge, TN · $318M
- Traditions First Bank Erin, TN · $337M
- Bank of Crockett Bells, TN · $299M
- Citizens Community Bank Winchester, TN · $353M
Questions about Decatur County Bank
How big is Decatur County Bank?
Decatur County Bank, established in 1899, is headquartered in Decaturville, TN. It reported $326M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Decatur County Bank's return on assets?
0.88% annualized in Q2 2026, against a 1.08% median for 50 TN banks with half to twice its assets, ahead of 42% of them.
What is Decatur County Bank's efficiency ratio?
78.14% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 66.86%, and lower is better.
Is Decatur County Bank growing its loans?
Net loans grew 7.3% over the year to Q2 2026, while deposits grew 9.5%.
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.