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The Lauderdale County Bank
Halls, TN · FDIC Certificate #22835 · Chartered 04/0
Total assets
$67.52M
Total deposits
$59.88M
Total equity
$6.47M
Net loans
$30.46M
Branches (offices)
2
Net income (YTD)
$306.00K
Rank: #3,920 of 4,213 U.S. banks by assets · #108 of 109 in Tennessee. Assets changed 7.3% and deposits 7.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.89% |
| Return on equity | 9.58% |
| Net interest margin (YTD) | 4.05% |
| Equity to assets | 9.58% |
| Tier 1 leverage ratio | 11.54% |
| Uninsured deposits (share of deposits) | 16.7% |
| Noncurrent loans (share of loans) | 1.50% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 50.9% |
| Real estate loans (share of loans) | 33.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $10.08M | 33.1% | |
| Commercial & industrial | $13.56M | 44.5% | |
| Consumer / individual | $4.51M | 14.8% | |
| Construction & development | $116.00K | 0.4% | |
| Agricultural | $2.59M | 8.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $61.68M | $56.43M | $206.00K | $4.45M |
| Jun 2023 | $63.54M | $58.09M | $395.00K | $4.61M |
| Jun 2024 | $61.76M | $55.64M | $293.00K | $5.18M |
| Jun 2025 | $62.93M | $55.90M | $231.00K | $5.85M |
| Jun 2026 | $67.52M | $59.88M | $306.00K | $6.47M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $59.88M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $59.88M.
Similar-sized banks
The Port Austin State Bank ($67.75M) · Bank Of Bearden ($67.38M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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