# DECATUR COUNTY BANK
DECATURVILLE, TN · FDIC certificate 6101 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $325.6M | |
| Deposits | $295.3M | |
| Loans and leases | $258.1M | |
| Total equity | $26.9M | |
| Loans / deposits | 86.53% (p63 of band) | 82.04% |
| Liquid assets / assets | 15.82% (p18 of band) | |
| Uninsured deposits / deposits | 13.34% (p9 of band) | 25.97% |
| Brokered deposits | 5.07% | |
| Wholesale funding | 5.33% (p59 of band) | |
| FHLB advances / assets | 0.26% | |
| Tier 1 leverage | 9.03% (p13 of band) | 10.81% |
| Unrealized securities loss / equity | -9.76% (p44 of band) | -8.10% |
| AOCI / equity | -0.67% (p34 of band) | |
| ROA (annualized) | 0.88% (p26 of band) | 1.28% |
| Net interest margin | 3.95% (p53 of band) | 3.91% |
| Efficiency ratio | 78.14% (p87 of band) | |
| Noncurrent loans | 0.98% (p72 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p52 of band) | |
| Reserve coverage of noncurrent | 99.76% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 72.51% (p73 of band) | |
| Auto loans | $4.2M (1.63% of loans; DQ 1.97%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.5% | |
| Employees | 54 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 4 | losing money, expense ratio p90, charge-offs p90 |  |
| 2012-03 | 0 |  | capital falling, losing money, expense ratio p90, charge-offs p90 |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | AOCI drag >20% of equity |  |
| 2013-12 | 1 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2014-03 | 0 |  | uninsured deposits leaving |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2014-12 | 2 | losing money, expense ratio p90 | deposits shrinking, uninsured deposits leaving |
| 2015-03 | 0 |  | losing money, expense ratio p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | reserve under noncurrent |  |
| 2016-12 | 1 |  | charge-offs p90 |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | wholesale funding >15%, capital falling |  |
| 2018-09 | 1 |  | reserve under noncurrent, wholesale funding >15% |
| 2018-12 | 2 | reserve under noncurrent |  |
| 2019-03 | 2 | construction >100% equity | reserve under noncurrent |
| 2019-06 | 0 |  | capital falling, construction >100% equity |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 3 | capital falling, charge-offs p90, construction >100% equity |  |
| 2020-12 | 0 |  | capital falling, charge-offs p90, construction >100% equity |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | capital falling |  |
| 2022-12 | 3 | construction >100% equity |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | securities losses >30% of equity, uninsured deposits leaving |  |
| 2023-12 | 2 |  | capital falling, securities losses >30% of equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 | capital falling | construction >100% equity |
| 2024-09 | 0 |  | uninsured deposits leaving, capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 2 | capital falling, reserve under noncurrent |  |

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

- 2025-11-20 [Jason Neil Livingston Obituary (2025) - Decaturville, TN - Reed's Chapel Decaturville - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPdk9OVnR4enpyTWdLRWhONjk0NmJkMFd1SWJQX0dkZHI1R3NHNUpoWUYwMVZYNkwwaUZLUnRsSEdRUFVhQTJhcElaVDlwNXlvRGp2LUVkUHhrZ0hZa3dkN1hBNFNScUNRRUg4a1c5ZWtaMDVEVnVlYTBqXzRmcm9HWFdiZU43Zw?oc=5) · legacy.com
- 2025-02-19 [New bank opens in this West Tennessee community - Talk-N West TN](https://news.google.com/rss/articles/CBMifEFVX3lxTE1IYW5WOG9pb3dNX1BCQ0g5NWl2Y3BaUjFKTkdlRS00Wmp4a2VYeUpfeGdwWEFmcEc5UnRrdkZuWExUQXQydXFJenlBM1AzXzU1cTU0OGtXcXRfdHVOa055N09POXRxSjUwTWs2SW1JdXFQOGkxOFpoazRHMkI?oc=5) · Talk-N West TN
- 2026-07-17 [Regional bank breaks ground on new Germantown branch - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxORE4wRDRKQlQ1YWNXMzNFLWxWWWhJN0hmdnlfZ01ERmRXOTlaYl9QNlQtRF9tQ0dZeGtMdzJpSTRObkktY3BXVk4zZkdTS0x4QW1iYm1wNm56ZTgtY01DMHZRRGlzNy1nNURTNDd5ZjhlaGlBVktaWVhrUXdVRXByYWNpS1RsOTBuNHFqWldnSUt1Mm9iOUNmWFNLNnVHZw?oc=5) · The Business Journals
- 2026-04-08 [FUNERAL AND MEMORIAL SERVICES SET FOR TENN FIRE CHIEF KILLED IN THE LINE OF DUTY - Firefighter Close Calls](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNU2xyWVVDUDEzaHpMeXljQkt4dEtYRnNfVXZSd2RUZjI1UmpmdzdNUjczel9yeXFzRkhWeWtwX2o2NWxZdjNMWnJWcFR1S09HQWl5RzF5clJRUVZMOUdsT3liTkhEOFVSLVdydnNmdmxvVS1mcFhDZDVSbzlwcTZMeDg0b2o2SDFGRTR1MHZQaTRULTVjb3RZdURUNnh5OWhEcjUyY1BTN3IxbWU3TEx1Q1JsSEdsOUJOZXp3?oc=5) · Firefighter Close Calls
- 2025-09-11 [Memphis People in Business: Sept. 11, 2025 - The Commercial Appeal](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPSU03TDh1R0l0b3hMdTU5dU1iN19PZzhkRFlXbHJtZzdPZzUxT2hMcnpJZ2xkMHVVMEdXdTRsQ2NRN2RmN21yUWpuQ3FnVEprdEgxZjdVS2VzLXRJLWVrR1U1SUZNb0hmYzJYdE1udnR5MUs0cWtZZWRhYXRvM3NWQ1BBOENiTFJMU1A4d1kwMm5Wc2xYTC0zdS1RcFNoQ3BwUUl6UzBQNkFVVTVsVS1sQnMzYmlTNG5CTjNmUkRZck9SSzdXallvUUUyZXhhRWQweWc3MU5sWTEwS2piZEE?oc=5) · The Commercial Appeal
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2025-08-14 [In the Memphis suburbs: Barnes & Noble opens; Frutta Bowls locations in the works - The Commercial Appeal](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPcXMwQWhuaXE1Q1VDcHpJOWRjVHlULVFmWTFrMm1WWnRfSWI1SDBzYmI4WUdzQzFsX3JvSG9sdk9GY1ItNEJEVWNOcnRVNVJfeUltcjZ6ZGxUa21ST25jRDFRSVFWajdMTXFZQVg0NV9oYmFtRW43OTloTEJMd0FpR3BNMDRmU0VteUloNGdXNEpoTUVvTFNLNG4tN2pOSWZlTlNoUVZTcWNkUURrTUN1MWdLVlpwY0ZSaVFDUjQ3MTNfZUs2bld2VjhRRXdNTVVYSWxjblV3?oc=5) · The Commercial Appeal
- 2013-05-16 [Nettie Martin Obituary (1937 - 2013) - Decaturville, TN - The Jackson Sun - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQSGdDOTdiLTJfVUg3OTI1Vi1ZTXIyZlIwemJXLTBfZDhuRkE4X25xVGJXazRNWmlIYUdKV2pQbXBYVTkxQUt4dkp4Y2Y1T1I4c3FMWVVIcmZ3RGNmYkJDSDAyZFV0Wk54VlR5SjcyMTZmWHNCQWVNSHBDX3l4REdTY2RoWENWQV9nWXdDTFRiMA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6101 (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/21.json (key "6101", 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