# BANK OF FAYETTE COUNTY
PIPERTON, TN · FDIC certificate 10308 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.14B | |
| Deposits | $987.7M | |
| Loans and leases | $934.3M | |
| Total equity | $103.7M | |
| Loans / deposits | 93.49% (p70 of band) | 87.10% |
| Liquid assets / assets | 14.78% (p22 of band) | |
| Uninsured deposits / deposits | 22.64% (p23 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.30% (p37 of band) | |
| FHLB advances / assets | 3.30% | |
| Tier 1 leverage | 9.59% (p25 of band) | 10.50% |
| Unrealized securities loss / equity | -5.04% (p63 of band) | -7.75% |
| AOCI / equity | -0.47% (p38 of band) | |
| ROA (annualized) | 0.98% (p30 of band) | 1.26% |
| Net interest margin | 4.03% (p70 of band) | 3.70% |
| Efficiency ratio | 65.48% (p70 of band) | |
| Noncurrent loans | 1.09% (p76 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p57 of band) | |
| Reserve coverage of noncurrent | 106.67% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 101.73% (p88 of band) | |
| Auto loans | $19.8M (2.12% of loans; DQ 3.90%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 8.2% | |
| Employees | 229 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  | wholesale funding >15% |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | capital falling |  |
| 2013-12 | 2 |  | capital falling |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 | brokered >10% | reserve under noncurrent |
| 2014-09 | 0 |  | construction >100% equity, brokered >10% |
| 2014-12 | 3 | capital falling, reserve under noncurrent, construction >100% equity |  |
| 2015-03 | 2 |  | capital falling |
| 2015-06 | 3 | wholesale funding >15% |  |
| 2015-09 | 3 | capital falling | wholesale funding >15% |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 | wholesale funding >15% | reserve under noncurrent |
| 2016-06 | 4 | brokered >10% |  |
| 2016-09 | 5 | reserve under noncurrent |  |
| 2016-12 | 3 |  | capital falling, reserve under noncurrent |
| 2017-03 | 4 | loans exceed deposits |  |
| 2017-06 | 3 |  | loans exceed deposits |
| 2017-09 | 4 | loans exceed deposits |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 3 |  | loans exceed deposits |
| 2018-06 | 4 | loans exceed deposits |  |
| 2018-09 | 4 | capital falling | brokered >10% |
| 2018-12 | 4 | liquid assets <10% | wholesale funding >15% |
| 2019-03 | 1 |  | loans exceed deposits, capital falling, liquid assets <10% |
| 2019-06 | 2 | brokered >10% |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | liquid assets <10% | brokered >10% |
| 2020-03 | 1 |  | liquid assets <10% |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 1 |  | charge-offs p90 |
| 2022-09 | 2 | charge-offs p90 |  |
| 2022-12 | 1 |  | charge-offs p90 |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | capital falling |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 | charge-offs p90 | capital falling |
| 2025-06 | 1 |  | charge-offs p90 |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 1 |  | construction >100% equity |
| 2026-03 | 1 | construction >100% equity | capital falling |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-30 [Patricia T. "Pat " Bryan Obituary May 30, 2026 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMieEFVX3lxTE0wOHM2VUU4d3ctRnpvMEkwSHREZ3VIYWhJb2taSWdCTUJaa2lVeW94QlEwLXRON0lHWnlCUC1idE9DUU9aYUQxYXNtOE15ejRiSEQtZk1EMkpUM1RDMzdUNFdFSjNyOEpHc0lxcnFvVWYwSGxDTkVFSw?oc=5) · Shackelford Funeral Directors
- 2025-12-15 [ATM taken from TN bank, dragged by stolen truck - WREG.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPa2FuYkFjMkEwTmdJekFXUGF6bHRDcjZfNlJQY1BZTklMamMyT1RHMDJ4aFpvSFpTQ1JYajZmSTNaVmc3dFJzcWlmOThVZURIcGk5emVScGNQNUM4NlZxUVNMTHctaVpHTXVtR19SWWk2cFlfTUdVdE1wUmtPMlVzRFNIamZ3SDZmS1ktSHdTalV4Y284YzdF0gGcAUFVX3lxTFBhMnY3YXg1YVdlbzl0RVRDR3MwRXQyWk9KdFJrMFhsMHdnSzFsblB1Ymdwci1aTUozRUg3OGg1U2VBUWd5VkNoLW0yUmt6NExiLVZtNmFQdG1fTWNzWmYyU0w3ZFk5VENvYW0xYnBnLXFKYVRCLUpqWHRKRy0tbWhyTmxRaWFTVWFlaF9ZVVVYRFZUYk1sQjdObFF4Tw?oc=5) · WREG.com
- 2026-04-06 [JOE BOYD BURNETTE, SR. Obituary October 19, 2009 - peeblesfuneralhome.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE9ORWpMa19jcHU1UkRmNng1V0tWbklpQ0t2SnFqRjYtaFJ2TmhEeFpieU1TSWEyWWMycW1qd1paWk5CUzFObUtfTlc3UG8xQ2lMdTQ0Q2FpSXRHbldXSzNpVVdudW9IamFjQUU1dw?oc=5) · peeblesfuneralhome.com
- 2025-12-15 [Video shows suspects stealing ATM from bank, dragging down road - Action News 5](https://news.google.com/rss/articles/CBMimAFBVV95cUxORW5TcHFFODNQSkNOODFtSklpX3BOVWtNSzB2NUlkNm9oalc5c053TTRySDJOWmVuNjY0bzA0LVh4aVdneWZRZEhDMWlBRUk0eHpsWlZiS3lYMVUxWmstLWdfREZOdUJOSy1mZDFSSTRMRGQxeWo3SE9sS1IyVHhjM1A1enJYYTVsbmdyd1FadndGeDRud0E0NQ?oc=5) · Action News 5
- 2025-12-18 [Surveillance footage shows moment thieves pull ATM from the ground - FOX13 Memphis](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNMWhHUjV0Y3V1cEFvUkxndkh5ZGxoT1hTS2R2dUt0dk1fWFRDT2NmU0lkNnBVVG0tZ1NqZzNEQnNidldSRm5Ma3BobHk5NlMyRVU2UHotS0kzaXNHY1NBTTVrQ0IyM1QzZUV3Mlc5RGU2M2xtWTJESDhKblNpb0tpTjZ5ZDltQXhvamVjelExVDZVUDlyS2lVS3pFYU9aNXdqamFNRXpWa3FaUkRJX0gyaE8xNWY1T1J1TnNjVmlaVEVwOVBMMU9EMlRmMmh3a2twQnV2SUkxVG95Rm05UmZBRW9SV00?oc=5) · FOX13 Memphis
- 2025-12-18 [‘They stole it!’: Driver watches thieves abandon stolen ATM - WREG.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPakY1Mkx1ai1PSzBRTXhxT2RRWjRDODlsNzZ1VVQ1SXZLbkNSYS15cEYyZGpHNzFFOXQzV0pMQjRCMC16N2RnZF9kbjBGSkg3UFpvR1ZVZGRISkNFMDROcTBXemFQa1B2d2l0YjZWQ1FtdGhEN1JDaWF6RW9yQUh4c05ZRUHSAYoBQVVfeXFMT3VPaEFjTHY5NFJ0U1phcEFtdExhdDV2WFFMR0lBZVE0R2FIQlJtWGZqQ2IzMU10LVBLMjBPTjNBdDJCTnBXb2JHeFFKVnAyYVBKbmpyNDc3N1lZUzdlOS0xWS14NDVWcnRZMmhqM2prelZFallUdU04cnljZFNkQXJ3dE1IREJRWENB?oc=5) · WREG.com
- 2019-10-01 [Tennessee’s Trust Company Bank becomes second bank failure of 2016 - HousingWire](https://news.google.com/rss/articles/CBMirgFBVV95cUxQaVQtNURvVjRJMTZLeXZ6Q09xbUI1VXlCQlVuOF9WRDRXZkROZ1NTbjlOeDdIaFBlMWluMmZmRTBTdFlFNkVlZTBMd1pkbThUZFVsWVVVMExZUGdVRy1zd25TeVpVMGhaRUhNd2dUR243X25BNlR4bUtBODhuZ0o2cHU0TTBydDY4TnRiejR4M1VyZWJhQ1B3dThEZlZmT1cxZEQzU1lLZWdWU3plWGc?oc=5) · HousingWire
- 2025-03-03 [Frank Jay Kemper Obituary March 3, 2025 - peeblesfuneralhome.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE9sQzFweXNvM3B6R1pMRTBfR0NCUEVzTVR0ODNjN1JmSEZFQnpqLWo4OUF6aGhmRWc1eWhQdnJkOUFUOVdlbjRIOGxXdjh4ckFKY1VtRi0yS3pFZzhncVFacVltckpseVppZ2tqejdhQQ?oc=5) · peeblesfuneralhome.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10308 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/4.json (key "10308", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide