$1.12B
+9.7%y/y
Percentile by value16th percentileby value
FDIC
ASSETBF
The Bank of Fayette County
Piperton, TennesseeFDIC Cert #10308
STATEEstablished 190515 branches
Holding company: MOSCOW BANCSHARES INCRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportThe Bank of Fayette County reported $1.12B in total assets. Deposits grew 10.35% over the prior year.
Return on assets was 0.95%, compared with an asset-peer median of 1.16%. The leverage ratio was 9.57%.
- Why is Total Assets below asset peers?
- Why is Tier 1 Leverage Ratio below asset peers?
- Why is Efficiency Ratio above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$970M
+10.4%y/y
Percentile by value18th percentileby value
FDIC
DEP$909M
+10.0%y/y
Percentile by value36th percentileby value
FDIC
LNLSNET0.95%
−7 bpsy/y
Peer standing33rd percentile
FDIC
NETINC + ROA66.76%
+99 bpsy/y
Peer standing34th percentile
FDIC
NONIX + NIM + NONII + EEFFR9.57%
−36 bpsy/y
Peer standing27th percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $721M | $644M |
| Q3 2021 | $755M | $675M |
| Q4 2021 | $806M | $726M |
| Q1 2022 | $830M | $750M |
| Q2 2022 | $832M | $754M |
| Q3 2022 | $824M | $735M |
| Q4 2022 | $848M | $753M |
| Q1 2023 | $858M | $749M |
| Q2 2023 | $850M | $735M |
| Q3 2023 | $877M | $733M |
| Q4 2023 | $897M | $749M |
| Q1 2024 | $924M | $773M |
| Q2 2024 | $940M | $788M |
| Q3 2024 | $985M | $828M |
| Q4 2024 | $991M | $852M |
| Q1 2025 | $1.02B | $879M |
| Q2 2025 | $1.06B | $913M |
| Q3 2025 | $1.08B | $929M |
| Q4 2025 | $1.1B | $947M |
| Q1 2026 | $1.12B | $970M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $138M |
| Investor CRE | $41.2M |
| Multifamily | $5.93M |
| Construction | $107M |
| 1–4 family | $425M |
| C&I | $60.5M |
| Agriculture | $94.4M |
| Other | $46.6M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.95%33rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE10.44%41st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY3.95%69th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR66.76%34th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+10.35%79th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+9.97%72nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.97%27th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ9.57%27th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.38%17th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.95%39th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.46%Median 1.06%90th 1.94%Observations 110
ROE
FDIC
NETINC + ROE10.44%43rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.67%Median 10.93%90th 19.22%Observations 110
NIM
FDIC
NIM + NIMY3.95%55th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.23%Median 3.91%90th 4.75%Observations 110
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR66.76%43rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.24%Median 64.73%90th 82.26%Observations 110
Deposits YoY
FDIC
DEP+10.35%78th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.56%Median +4.67%90th +17.42%Observations 110
Loans YoY
FDIC
LNLSNET+9.97%61st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.21%Median +8.14%90th +17.99%Observations 110
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.97%22nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 1.63%Observations 110
Leverage
FDIC
RBC1AAJ9.57%21st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.54%90th 14.36%Observations 110
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.38%6th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.85%Median 2.65%90th 3.27%Observations 110
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 81%Median 202%90th 319%Observations 74
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.95%21st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.59%Median 1.34%90th 2.05%Observations 25
ROE
FDIC
NETINC + ROE10.44%21st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.33%Median 13.96%90th 21.00%Observations 25
NIM
FDIC
NIM + NIMY3.95%67th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.74%Median 3.65%90th 4.52%Observations 25
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR66.76%21st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.19%Median 57.76%90th 68.06%Observations 25
Deposits YoY
FDIC
DEP+10.35%71st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.70%Median +5.48%90th +23.80%Observations 25
Loans YoY
FDIC
LNLSNET+9.97%58th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.90%Median +6.54%90th +18.77%Observations 25
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.97%17th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.31%90th 1.24%Observations 25
Leverage
FDIC
RBC1AAJ9.57%21st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.13%Median 10.48%90th 12.47%Observations 25
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.38%17th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.76%Median 2.80%90th 3.57%Observations 25
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 85%Median 232%90th 341%Observations 18
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 15 branches
- Headquarters
- Piperton, TN
FDIC
OFFDOMOpen the Tennessee dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data