Decatur County Bank (FDIC #6101): Bank Stress & Real-Estate Credit Exposure
Decatur County Bank (FDIC Cert #6101): bank stress 79/100, severe, STABLE over 7 days; parent DECATUR BANCSHARES INC.
Decatur County Bank (#6101) lends in 4 counties across 1 state; Decatur County Bank (#6101) reaches 68 ZIP codes: Tennessee 4 counties, 68 ZIPs.
Decatur County Bank (#6101) largest markets: Shelby County, TN (41 branches, 41 ZIPs) (#6101), Madison County, TN (13 branches, 13 ZIPs) (#6101), Decatur County, TN (18 branches, 9 ZIPs) (#6101), Haywood County, TN (6 branches, 6 ZIPs) (#6101).
Decatur County Bank (#6101) reports $325.6 million in total assets; Decatur County Bank (#6101) equity $26.9 million (8.3% of Decatur County Bank (#6101) assets); Decatur County Bank (#6101) domestic deposits $295.3 million; Decatur County Bank (#6101) net income $1.4 million; Decatur County Bank (#6101) return on assets 0.88%; Decatur County Bank (#6101) return on equity 10.54%; Decatur County Bank (#6101) net interest income $5.9 million; Decatur County Bank (#6101) call report June 30, 2026.
Decatur County Bank (#6101) noncurrent real-estate loans: none reported; Decatur County Bank (#6101) net charge-offs on real estate 0.91%.
Decatur County Bank (#6101) net interest margin 3.95% against an eight-quarter Decatur County Bank (#6101) average of 3.94% (Decatur County Bank (#6101) compression -0.01 points); Decatur County Bank (#6101) rate-exposure score 40/100, Decatur County Bank (#6101) fixed-rate trap 40/100; Decatur County Bank (#6101) risk type credit driven; Decatur County Bank (#6101) rate regime rates elevated, Decatur County Bank (#6101) snapshot October 19, 2026.
Decatur County Bank (#6101) stress score moved from 75.5 on June 22, 2026 to 79 on October 20, 2026; Decatur County Bank (#6101) ranged 75.5 to 79 over 117 snapshots.
Decatur County Bank (#6101) alerts: 4 counties; top Decatur County Bank (#6101) alert scores: Jackson County, TN 39 (moderate); Brownsville County, TN 26 (low); Germantown County, TN 26 (low); Parsons County, TN 26 (low).