Bank Of Fayette County (FDIC #10308): Bank Stress & Real-Estate Credit Exposure

Bank Of Fayette County (FDIC Cert #10308): bank stress 74/100, elevated, STABLE over 7 days; parent MOSCOW BANCSHARES INC.

Bank Of Fayette County (#10308) lends in 6 counties across 1 state; Bank Of Fayette County (#10308) reaches 84 ZIP codes: Tennessee 6 counties, 84 ZIPs.

Bank Of Fayette County (#10308) largest markets: Shelby County, TN (82 branches, 41 ZIPs) (#10308), Fayette County, TN (105 branches, 15 ZIPs) (#10308), Mcnairy County, TN (30 branches, 15 ZIPs) (#10308), Chester County, TN (12 branches, 12 ZIPs) (#10308), Hardeman County, TN (24 branches, 12 ZIPs) (#10308), Tipton County, TN (10 branches, 10 ZIPs) (#10308).

Bank Of Fayette County (#10308) reports $1.14 billion in total assets; Bank Of Fayette County (#10308) equity $103.7 million (9.1% of Bank Of Fayette County (#10308) assets); Bank Of Fayette County (#10308) domestic deposits $987.7 million; Bank Of Fayette County (#10308) net income $5.5 million; Bank Of Fayette County (#10308) return on assets 0.98%; Bank Of Fayette County (#10308) return on equity 10.77%; Bank Of Fayette County (#10308) net interest income $21.4 million; Bank Of Fayette County (#10308) call report June 30, 2026.

Bank Of Fayette County (#10308) noncurrent real-estate loans 0.02% of its book; Bank Of Fayette County (#10308) net charge-offs on real estate 1.08%; Bank Of Fayette County (#10308) residential charge-offs 1.11%.

Bank Of Fayette County (#10308) net interest margin 4.03% against an eight-quarter Bank Of Fayette County (#10308) average of 3.95% (Bank Of Fayette County (#10308) compression -0.08 points); Bank Of Fayette County (#10308) real-estate loans 1.8% of equity; Bank Of Fayette County (#10308) non-residential real estate 111.3% of equity; Bank Of Fayette County (#10308) rate-exposure score 40/100, Bank Of Fayette County (#10308) fixed-rate trap 40/100; Bank Of Fayette County (#10308) risk type credit driven; Bank Of Fayette County (#10308) rate regime rates elevated, Bank Of Fayette County (#10308) snapshot October 19, 2026.

Bank Of Fayette County (#10308) stress score moved from 73.1 on June 22, 2026 to 74 on October 19, 2026; Bank Of Fayette County (#10308) ranged 73.1 to 74 over 116 snapshots.

Bank Of Fayette County (#10308) alerts: 6 counties; top Bank Of Fayette County (#10308) alert scores: Henderson County, TN 52 (elevated); Collierville County, TN 24 (low); Covington County, TN 24 (low); Selmer County, TN 24 (low); Somerville County, TN 24 (low).