At a glance
From its website, read 2 Nov 2026Decatur Bancshares, Inc. is a bank holding company based in Decaturville, Tennessee. Its website describes auto loans, home mortgages, SBA-backed loans and 1 other loan type.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Phone | (731) 852-2821 source |
|---|---|
| Website | www.decaturcountybank.com |
| Office (official list) | 56 N Pleasant St, Decaturville, TN 38329 |
What their website says about applying
Give one of our experienced loan officers a call today, and start building your dream home.
sourceCall one of our commercial lenders today to see why so many businesses are switching to Decatur County Bank.
sourceStop by any Decatur County Bank location, give us a call at
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 30 Mar 2021 |
| RSSD ID | 2201883 |
| Address | 56 N Pleasant St, Decaturville, TN 38329 Directions (Google Maps) |
| Website | www.decaturcountybank.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. The pages state no loan amounts or service area, and the lender's branch list is not a service area. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Are you in the market for a new or used vehicle, RV, ATV or motorcycle? Let us help you finance it. | source |
| Home mortgages | — | We offer a variety of in-house and secondary market options such as Conventional, Jumbo, FHA, USDA Rural Development and VA loans. | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | our Small Business Administration (SBA) loans may offer you a solution. | source |
| Small-business loans | — | Do you need a banking partner to help your business thrive? | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.decaturcountybank.com/
- https://www.decaturcountybank.com/loans/home-loans/
- https://www.decaturcountybank.com/loans/business-loans/
- https://www.decaturcountybank.com/loans/personal-loans/
- https://www.decaturcountybank.com/personal/personal-credit-card/
- https://www.decaturcountybank.com/business/business-credit-card/
- https://www.decaturcountybank.com/loans/loan-officers/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your SBA-backed loans and small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$325,000 in 1 award from the U.S. Treasury's CDFI Fund, 2022 (CDFI Program, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Program, Financial Assistance | $325,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026Subsidiary bank on file with the FDIC: Decatur County Bank (FDIC cert 6101, total assets $325.6 million). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $325.6 million (as of 30 Jun 2026) |
|---|---|
| Offices | 5 (as of 30 Oct 2026) |
Offices by state and county (5)
Tennessee (5 offices)
- Decatur County (2): 56 N Pleasant St, Decaturville 38329 (main office); 169 Tennessee Ave S, Parsons 38363
- Haywood County (1): 1489 E Main St, Brownsville 38012
- Madison County (1): 92 Exeter Rd, Jackson 38305
- Shelby County (1): 7505 Capital Dr., Germantown 38138
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, Decatur County Bank (RSSD 66154, FDIC cert 6101), the only active bank the FDIC lists under this holding company. Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $258.1 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 7.4% from $240.4 million on 30 Jun 2025 |
| Total assets | $325.6 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $51.2 million | 19.9% |
| Home equity lines of credit | $14.5 million | 5.6% |
| Commercial real estate, construction and multifamily | $87.6 million | 34.0% |
| Commercial and industrial (business) loans | $65.5 million | 25.4% |
| Farmland and farm production loans | $26.5 million | 10.3% |
| Consumer loans (credit cards, auto, other) | $6.3 million | 2.4% |
| All other loans and leases | $6.5 million | 2.5% |
Within consumer loans: auto loans $4.2 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 27 loans $796,000 | 354 loans $8.2 million |
| $100,001 to $250,000 | 20 loans $2.4 million | 85 loans $9.6 million |
| $250,001 to $1 million | 35 loans $14.6 million | 63 loans $21.6 million |
| All small business loans | 82 loans $17.8 million | 502 loans $39.4 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 35 loans $1.5 million | 79 loans $1.2 million |
| $100,001 to $250,000 | 19 loans $2.1 million | 13 loans $1.6 million |
| $250,001 to $500,000 | 21 loans $6.1 million | 5 loans $1.3 million |
| All small farm loans | 75 loans $9.7 million | 97 loans $4.1 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported by its bank (2025)
FFIEC HMDA data, 2025The HMDA reporter panel lists Decatur Bancshares, Inc. as the parent or top holder of this filer, which is also a certified CDFI with its own page:
- Decatur County Bank: 79 originated home loans
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $325.6 million | Larger than 41% of the 17 other certified banks and bank holding companies in Tennessee (median $367.8 million). |
| Loans as a share of assets | 79% | Median of the same 17 banks and bank holding companies: 71%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $240.4 million → $258.1 million (+7%) | Median change of 17 other certified banks and bank holding companies in Tennessee: +9%. Rank by loans held among these 18: 9 → 9. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Tennessee | 17 | larger than 41% |
| Loans held then vs now | certified banks and bank holding companies in Tennessee reporting both dates | 17 | rank 9 → 9 of 18 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026SBA loan data names this holding company's bank, not the holding company. Its subsidiary Decatur County Bank is certified separately and shows its SBA 7(a) and 504 approvals for FY2020–FY2026 on its own page.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Decaturville and Tennessee
- Decatur County BankBank or thrift · Decaturville, TNAuto / vehicle loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- Affordable Housing Resources, Inc.Loan fund · Nashville, TNHome mortgagesVerified
- BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansVerified
- Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Citizens Savings Bank and Trust CompanyBank or thrift · Nashville, TNCommercial real estate loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
Work at Decatur Bancshares, Inc.? Link to this page
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