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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Halls, TN · FDIC certificate #10315
BANK OF HALLS is an FDIC-insured institution based in Halls, TN (FDIC certificate #10315). In its Q3 2026 Call Report it reported total assets of $137M, total deposits of $126M and net loans of $66M. Its primary federal regulator is FED.
Plain-language readout
BANK OF HALLS has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $137M in Q3 2026 and were lowest at $135M in Q2 2026.
Total deposits were highest at $126M in Q3 2026 and lowest at $123M in Q2 2026.
Over the whole period total assets rose 1.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $137M | $126M | $66M | 0.93% | 12.29% | 3.31% |
| Q2 2026 | $135M | $123M | $63M | 1.02% | 13.36% | 3.32% |
| Q1 2026 | $135M | $123M | $59M | 0.97% | 12.68% | 3.24% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $22.8M | $24.4M | -$1.7M | -6.9% |
| Federal funds sold | $150K | $1.7M | -$1.5M | -91.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $42.1M | $43.2M | -$1.1M | -2.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $62.9M | $59.1M | +$3.7M | +6.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.1M | $1.1M | -$15K | -1.4% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $5.6M | $5.4M | +$182K | +3.4% |
| Total assets | $134.6M | $134.9M | -$390K | -0.3% |
| Liabilities | ||||
| Total deposits | $123.2M | $123.4M | -$216K | -0.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $983K | $982K | +$1K | +0.1% |
| Total liabilities | $124.2M | $124.4M | -$215K | -0.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $300K | $300K | $0K | 0.0% |
| Surplus | $1.0M | $1.0M | $0K | 0.0% |
| Retained earnings | $9.6M | $9.7M | -$134K | -1.4% |
| Accumulated other comprehensive income | -$515K | -$474K | -$41K | -8.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $10.4M | $10.6M | -$175K | -1.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $97K | $184K | -$87K | -47.3% |
| Adjusted nonperforming assets | $97K | $184K | -$87K | -47.3% |
| Tangible equity plus allowance | $11.3M | $11.5M | -$175K | -1.5% |
| Texas ratio (gross) | 0.86% | 1.60% | -0.74 pts | See points |
| Texas ratio (adjusted) | 0.86% | 1.60% | -0.74 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.86% | 2.76% | -1.90 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.79% | 14.04% | -1.25 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.79% | 14.04% | -1.25 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.08% | 1.18% | -0.09 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.88% | 15.22% | -1.34 pts | See points |
| Tier 1 leverage (approximate) | 7.95% | 8.01% | -0.05 pts | See points |
| Construction and land loans to total capital | 39.68% | 39.76% | -0.07 pts | See points |
| Commercial real estate to total capital | 79.04% | 79.04% | +0.01 pts | See points |
| Dividend payout, year to date | 71.63% | 0.00% | +71.63 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -6.47% | -5.88% | -0.59 pts | See points |
| Liquidity | ||||
| Core deposits | $112.3M | $113.6M | -$1.3M | -1.1% |
| Non-core funding | $10.8M | $9.8M | +$1.0M | +10.6% |
| Loans to core deposits | 56.80% | 52.88% | +3.92 pts | See points |
| Loans to deposits | 51.80% | 48.68% | +3.12 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 34.39% | 34.44% | -0.05 pts | See points |
| Loans pledged, share of loans | 20.46% | 22.49% | -2.04 pts | See points |
| Volatile liabilities | $13.2M | $10.5M | +$2.7M | +25.6% |
| Earnings | ||||
| Earnings before provision, year to date | $1.0M | $487K | +$526K | +108.0% |
| Earnings before provision, single quarter | $526K | $487K | +$39K | +8.0% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.21% | 6.21% | -0.00 pts | See points |
| Yield on interest-bearing balances due from banks | 4.02% | 3.44% | +0.59 pts | See points |
| Total interest income to average assets | 4.76% | 4.56% | +0.21 pts | See points |
| Cost of interest-bearing transaction accounts | 1.91% | 1.84% | +0.07 pts | See points |
| Cost of savings and money market deposits | 0.60% | 0.60% | +0.00 pts | See points |
| Cost of time deposits | 3.43% | 3.42% | +0.01 pts | See points |
| Total interest expense to average assets | 1.60% | 1.54% | +0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $137M | $126M | $66M | 0.93% | 12.29% | 3.31% |
| 2026-06-30 | $135M | $123M | $63M | 1.02% | 13.36% | 3.32% |
| 2026-03-31 | $135M | $123M | $59M | 0.97% | 12.68% | 3.24% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TN | $121.7M | 0.05% | 139 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.