# BANK OF PERRY COUNTY
LOBELVILLE, TN · FDIC certificate 1713 · asset band <$300M · 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 | $253.1M | |
| Deposits | $224.3M | |
| Loans and leases | $207.4M | |
| Total equity | $23.0M | |
| Loans / deposits | 91.54% (p82 of band) | 73.59% |
| Liquid assets / assets | 14.57% (p11 of band) | |
| Uninsured deposits / deposits | 12.47% (p22 of band) | 19.81% |
| Brokered deposits | 9.53% | |
| Wholesale funding | 11.32% (p86 of band) | |
| FHLB advances / assets | 1.79% | |
| Tier 1 leverage | 9.11% (p12 of band) | 11.76% |
| Unrealized securities loss / equity | -4.21% (p60 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.71% (p76 of band) | 1.17% |
| Net interest margin | 4.19% (p64 of band) | 3.93% |
| Efficiency ratio | 56.51% (p26 of band) | |
| Noncurrent loans | 0.38% (p51 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 260.08% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 45.36% (p76 of band) | |
| Auto loans | $7.2M (3.48% of loans; DQ 2.31%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.6% | |
| Employees | 36 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

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

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

- 2024-11-20 [Lobelville Mayor Hosts Mural as Reminder of UT’s Rural Impact - The University of Tennessee System](https://news.google.com/rss/articles/CBMioAFBVV95cUxQTWs3eEEwUXNONDh2MTRtZGd2dzlsNWNjVzRoaDJTako1Q0hycmhGZXV1YnJWamZ1MENoVjlRNUlwN2NXWHhLcmw2ZUkwT1ctRklmZ0tVZVFnZ3lBUWFzcEVqM2pGYkdKNFRWd0V1STVCeGhaY0JmcExUUlM1dVJYOGs3SUFqcG9IXzB5V1hvXzhPdVROWllBNmtKSUtySFps?oc=5) · The University of Tennessee System
- 2024-01-31 [100-Year-Old Companies: Middle Tennessee - Tennessee Department of Economic and Community Development](https://news.google.com/rss/articles/CBMicEFVX3lxTFBqNGRsNDY0Z2xlTzJkblEzNGg3OU1Udzk5SWZkTjdsUENRQ3lOeGVfTmdBSzhubTRIVkh1N2toVTRrdTh2LVdXMlRzUUdUdVpFa1hXWkQzVGpnNWVHXzdyc1I1bVNZSElweVhpZFJUMl8?oc=5) · Tennessee Department of Economic and Community Development
- 2025-04-08 [PUBLIC NOTICES 4-9-25 - Buffalo River Review](https://news.google.com/rss/articles/CBMiekFVX3lxTE9yaTVkY2tYQjdJTnpPRlVxaUlpR1h6cXVkaWRIeGRUSGtJdlNpbHBDSFNYX1puZ3QwUjdZRHNHMEdxVGp4VEMyS3NwSFZOejVmNDVnXzRTandLZzhQOWNCS1oxdG5NZW1oMjZMSXZoVUpjZ0hidzR3d2ZB?oc=5) · Buffalo River Review
- 2026-08-04 [Robert Harold "Goat" Killen Obituary (2026) - New Johnsonville, TN - Humphreys County Funeral Home - Waverly - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQVE5jSWJTRXRET1pQN3pfcDRoQjN0YV9KMk5RdjYyejRQYm9WT1oxaEZCM2dHc0JsUU0wNTh4NE1HNXFIeDF2RjFnYTB2OHdSSXN1R3dtOFczU3VwQmx5ckU2ejRuZVpuTUwzcUM3TW0zQjBrUmtYMW5hNXpZaTh1Q1JR?oc=5) · legacy.com
- 2024-01-23 [132 year old Upper Cumberland store celebrated by state - Upper Cumberland Business Journal](https://news.google.com/rss/articles/CBMid0FVX3lxTE5QQ3djZGRsdEV4bnlqRno3cWl5Ykx6VmdrUnF0UzRKX3E4UGt6M21nM1JNZERLUFlhaWpucEUzMWpxclQtak5BdDB3T1QweXNxdlFtUnZrdk9mOXl2Q0RCYW5nX0ZiQmFtQ1pGV3JSZW5SSFJDSXpJ?oc=5) · Upper Cumberland Business Journal
- 2017-11-03 [Harnessing Memories Wagon Train passes through Bonham raising awareness of Alzheimer's Disease - North Texas e-News](https://news.google.com/rss/articles/CBMibkFVX3lxTFBIV0ZpX2lDMGFZbHp3bXNHNmZYeDdRSnBRU1ptRHhrRnRYSHVUbDJTZUpySVJBYzlYMWpreExhOE5oZjJudW0yaW5pRXh2UXdSOFFVd1lJcXRYcTd5bzl5R3JKWVJpU0tfUjhhbHZR?oc=5) · North Texas e-News
- 2025-10-03 [David Richardson Obituary (2025) - Linden, TN - Young Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPbV9jYkdZVGJubmdUc2lHdlRIbTFsUm1QT2FvQzN3TVJCdzlhNmdpNTZiYUI3Ty1kY0p3WWltcFkzV1BkQTFBTnZJTnotWlcwY0FuQ1J3RDhScDVkcG1VMGo4UlZraWVISVJWUTZxTlJMS091ZGtDelB6enpaM01zcUhGcGdxZw?oc=5) · legacy.com
- 2025-04-29 [Carrol DePriest Obituary (2025) - Linden, TN - Young Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNbWRoRlRhejIyZXl3dUZGdjl3V2dXUUM3NjBFY0NEcnZwVzM5OENuSDRQdVlEeEE4VEhVX2NHNDgwaWNJRjltdjV0SlpQQm9DMXRaRWFfX0JaUTRCWnhhcjBiQ3FqTzl4bHROVVlZanZYcU43U1V4ZEJ6aVFMLUE2bnA4V2c?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1713 (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/49.json (key "1713", 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.

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