The Lauderdale County Bank
Halls, TN
IDRSSD: 82350
Total Assets
$62.70M
Latest filing
Total Deposits
$55.40M
Latest filing
Net Interest Margin
4.29%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Lauderdale County Bank
305 S Church St
Halls, TN 38040
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/04/1979FDIC Certificate 15951
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Lauderdale County Bank (Main) | 305 S Church St | Halls, TN |
| CLEVELAND STREET BRANCH | 331 Cleveland St | Ripley, TN |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/04/1979 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 38040 |
| State and County Number | 47097 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 20 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 04/04/1979 |
| Primary Insurance Agency | DIF |
| Website | www.lauderdalecountybank.com |
| Data Updated | 11/14/2025 |
| CERT | 22835 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $62.70M |
| Total Deposits | $55.40M |
| Total Liabilities | $56.54M |
| Total Equity Capital | $6.17M |
| Net Income | $117.00k |
| Net Loans and Leases | $29.05M |
| Assets Per Employee ($Millions) | $3.14M |
| Bank Premises and Fixed Assets | $764.00k |
| Cash and Balances due from Depository Institutions | $4.57M |
| Deposits Held in Domestic Offices | $55.40M |
Key Performance Ratios
| Return on Assets (ROA) | 0.75% |
| Return on Equity (ROE) | 7.79% |
| Net Interest Margin | 4.29% |
| Efficiency Ratio | 74.78% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.835% |
| Earning Assets to total Assets | 91.64% |
Income and Expense
| Total Interest Income | $829.00k |
| Total Noninterest Income | $55.00k |
| Total Interest Expense | $214.00k |
| Total Noninterest Expense | $501.00k |
| Net Interest Income | $615.00k |
| Pre-tax Net Operating Income | $149.00k |
| Provision for Credit Losses | $20.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $2.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $6.38M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.14M |
| Total Liabilities and Capital | $62.70M |
Securities
| Securities | $18.97M |
| Available-for-sale debt securities | $18.97M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Lauderdale County Bank?
$62.70M as of the latest filing.
How much are The Lauderdale County Bank's total deposits?
$55.40M in total deposits.
Where is The Lauderdale County Bank located?
Halls, TN.
What is the Net Interest Margin?
4.29%.
How many domestic offices does it operate?
2.
When was it established?
04/04/1979.
What is the Return on Assets (ROA)?
0.75%.
How much are total loans and leases?
$29.05M (latest filing).
What is the total interest income (latest filing)?
$829.00k.