Decatur County Bank


56 N. Pleasant St.
Decaturville, TN 38329
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Decatur County Bank is an FDIC insured institution located in Decaturville, TN. It was founded in 1899 and has approximately $0.19 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 6101
Date Established 1899
Assets $ 188.12 million
Loans $ 133.81 million
Deposits $ 164.31 million
Capital $ 16.13 million

For a more detailed analysis of Decatur County Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 28, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - September 28, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Decatur County Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 1907
2.856% 2.750%
0.38 points
$3,438 fees
$1,021 Learn More
Flagstar Bank, FSB
NMLS ID: 417490
3.193% 3.125%
0.88 points
$2,150 fees
$1,071 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
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Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Decatur County Bank
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Decatur County Bank Locations

Financial Details

Decatur County Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Decatur County Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Decatur County Bank U.S. Bank Average
2.02% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, Decatur County Bank had $354,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $16,133,000 in equity and $1,391,000 in loans loss reserves. That gives it a Texas Ratio of 2.02%.

Return on Equity
Decatur County Bank U.S. Bank Average
17.1% 11.43%

Decatur County Bank has a Return on Equity of 17.1% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Decatur County Bank U.S. Bank Average
8.58% 11.51%

Decatur County Bank has a Capitalization of 8.58% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Decatur County Bank Balance Sheet Analysis

As of March 31, 2021, Decatur County Bank had assets of $188,124,000, loans of $133,812,000, and deposits of $164,314,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions $ 14.42 million
Interest-bearing balances $ 1.53 million
Total securities $ 23.88 million
Federal funds sold and reverse repurchase $ 4.17 million
Net loans and leases $ 133.81 million
Loan loss allowance $ 1.39 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 6.17 million
     Total Assets $ 171.99 million
Total deposits $ 164.31 million
      Interest-bearing deposits $ 113.11 million
      Deposits held in domestic offices $ 164.31 million
      % insured (estimated) 81.09%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 5.51 million
Subordinated debt N.A.
All other liabilities $ 2.17 million
      Total Liabilities $ 171.99 million
      Shareholders’ Equity $ 16.13 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 2.12 million
Total Interest Expense $ 0.15 million
Net interest income $ 1.96 million
Provision for loan and lease losses $ 0.09 million
Total non interest income $ 0.16 million
Total non interest expense $ 1.31 million
Pre-tax Net Operating Income $ 0.72 million

Bank Loan Profile?

The top three loan types in Decatur County Bank’s loan portfolio are Commercial and Industrial Loans, 1-4 Family Residential Loans, and Commercial Real Estate.

Compared to other banks in Tennessee, Decatur County Bank has a significantly higher percent of Commercial and Industrial Loans, Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.50
Credit Card Loans 0.00
Consumer Auto Loans 1.74
Small Business Loans 0.00
Construction and Development Loans 9.12
Commercial Real Estate 24.33
Commercial and Industrial Loans 25.23
Farm Loans 3.48

Frequently Asked Questions About Decatur County Bank

Branches and Savings

Is Decatur County Bank FDIC insured?

Yes. It is covered under FDIC Certificate #6101.

Why does Decatur County Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Decatur County Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Decatur County Bank a commercial bank?


Where are Decatur County Bank locations?

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Is Decatur County Bank open on Saturdays?

Is Decatur County Bank open on Sundays?

What time does Decatur County Bank open?

What time does Decatur County Bank close?

Are Decatur County Bank ATMs Open 24/7?

Do Decatur County Bank ATMs accept cash deposits?

Can Decatur County Bank customers use other ATMs?

Do Decatur County Bank branches have notaries?

Will Decatur County Bank notarize my document?

What address for Decatur County Bank should I put for incoming ACH transfers?

Will the Decatur County Bank branch print checks?

Do Decatur County Bank checks expire?

Does Decatur County Bank require US citizenship to open account?

Can Decatur County Bank close my account?

Does Decatur County Bank Report to credit bureaus?

Does Decatur County Bank Use Equifax?

What is Decatur County Bank's ACH Routing Number?

What is Decatur County Bank's SWIFT code?


Does Decatur County Bank offer mortgages?

Compare mortgage rates here.

Does Decatur County Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Decatur County Bank offer personal loans?

Compare personal loan rates here.

Does Decatur County Bank offer student loans?

Will Decatur County Bank cash a check?

Will Decatur County Bank redeem a savings bond?

Does Decatur County Bank cash savings bonds?

Will Decatur County Bank cash money orders?

Can Decatur County Bank issue a money order?

Does Decatur County Bank do currency exchange?

Background on The Bank

Who owns Decatur County Bank?

How long has Decatur County Bank been around?

Can Decatur County Bank transfer to other banks?

Does Decatur County Bank have quick pay?

Does Decatur County Bank accept rolled coins?

Will Decatur County Bank accept loose change?

Where is Decatur County Bank headquarters?

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