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Decatur County Bank

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Decatur County Bank Rates & Review September 2026

Q: How many branches does Decatur County Bank operate?

Decatur County Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Decatur County Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Decatur County Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Decatur County Bank's Credit Card Rates are at 19.99%. MonitorBankRates evaluates the financial stability of Decatur County Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.40%. Rates last updated and verified on 09/23/2026.

Decatur County Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Decatur County Bank? Share your experience about Decatur County Bank by leaving a review below, or read customer reviews before you decide to use Decatur County Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.40%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Decatur County Bank

56 N Pleasant St
Decaturville, TN 38329

https://www.decaturcountybank.com

Decatur County Bank Credit Card Rates

Product	Rate	APR
Platinum Mastercard	-	19.99%
Details Intro/promo APR: 15.24%; Published APR range: 15.24% to 24.24%. Intro rate expires: 12 months; Regular APR: 19.99% to 24.24% for purchases and balance transfers, and 18.99% to 28.24% for cash advances, based on creditworthiness. No annual fee - Mastercard ID Theft ProtectionTM & Zero Liability Protection - HealthLock membership - Booking.com savings and Priceless Experiences Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.40%
Platinum Payback Mastercard	-	19.99%
Details Intro/promo APR: 15.24%; Published APR range: 15.24% to 24.24%. Intro rate expires: 12 months; Regular APR: 19.99% to 24.24% for purchases and balance transfers, and 18.99% to 28.24% for cash advances, based on creditworthiness. 1% cash back on every purchase - No annual fee - Mastercard ID Theft ProtectionTM & Zero Liability Protection - HealthLock membership - Booking.com savings and Priceless Experiences - MoviePass discount Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.40%
Platinum Preferred Mastercard	-	19.99%
Details Intro/promo APR: 15.24%; Published APR range: 15.24% to 24.24%. Intro rate expires: 12 months; Regular APR: 19.99% to 24.24% for purchases and balance transfers, and 18.99% to 28.24% for cash advances, based on creditworthiness. Earn unlimited one point per dollar spent - 25,000 bonus points upon enrollment - Mastercard ID Theft ProtectionTM & Zero Liability Protection - HealthLock membership - Booking.com savings and Priceless Experiences - MoviePass discount - No annual fee Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.40%
World Elite Mastercard	-	19.99%
Details Intro/promo APR: 15.24%; Published APR range: 15.24% to 24.24%. Intro rate expires: 12 months; Regular APR: 19.99% to 24.24% for purchases and balance transfers, and 18.99% to 28.24% for cash advances, based on creditworthiness. $299 annual fee \| $49 per additional card. Earn points or cash back on every purchase - No foreign transaction fees - 25,000 bonus points upon enrollment - Mastercard ID Theft ProtectionTM & Zero Liability Protection - HealthLock membership for added security - Exclusive travel perks, including: - Booking.com discounts - ResortPass credits - Mastercard Travel & Lifestyle Services - Concierge service - Mastercard Travel Rewards Premium benefits like: - Peacock subscription credits - Instacart free trial and credit - Lyft ride credits - Alo Moves subscription credits Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.40%
World Mastercard	-	19.99%
Details Intro/promo APR: 15.24%; Published APR range: 15.24% to 24.24%. Intro rate expires: 12 months; Regular APR: 19.99% to 24.24% for purchases and balance transfers, and 18.99% to 28.24% for cash advances, based on creditworthiness. $35 annual fee \| $29 per additional card. Earn points or cash back - No foreign transaction fees - 25,000 bonus points upon enrollment - Mastercard ID Theft ProtectionTM & Zero Liability Protection - HealthLock membership - Travel perks, including Booking.com savings and ResortPass credits - Peacock subscription credits, Instacart free trial and Lyft ride credits Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.40%

Decatur County Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
BaZing Premium	-	-	0.60%
Min Deposit $2,500 Details Monthly service charge: $9; Waivable - see conditions; Waiver conditions: Maintain $2,500 minimum balance at all times; BaZing benefits: Included - activate after opening Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.40%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Decatur County Bank’s Texas Ratio rose from 1.43% in Q3 2023 to 11.40% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 4.1 to 5.0 and its Health Grade from A- to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$326M	11.40%	5.0	A
March 31, 2026	$321M	2.57%	5.0	A+
December 31, 2025	$317M	4.71%	5.0	A+
September 30, 2025	$301M	2.36%	5.0	A+
June 30, 2025	$295M	3.47%	5.0	A+
March 31, 2025	$288M	1.74%	5.0	A+
December 31, 2024	$288M	0.88%	5.0	A+
September 30, 2024	$280M	0.37%	5.0	A+
June 30, 2024	$283M	0.58%	4.8	A+
March 31, 2024	$282M	0.81%	4.8	A+
December 31, 2023	$277M	1.74%	4.9	A+
September 30, 2023	$269M	1.43%	4.1	A-

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Decatur County Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Decatur County Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Decatur County Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Decatur County Bank

Bank Holding Company DECATUR BANCSHARES INC

Address 56 N Pleasant St, Decaturville, TN 38329 · Decatur

Website https://www.decaturcountybank.com

FDIC Certificate # 6101

Established 18991116

FDIC Insurance Date 19340101

Domestic Offices 5

Total Branches 5

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

11.40%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8794%

Return on Equity (ROE) 10.5400%

Non-Performing Loans (NPL) 0.77%

Total Assets $325,642,000

Total Deposits $295,346,000

Equity Capital $26,930,000

Net Income $1,413,000

Headquarters Decaturville

Total Branches and Offices 5

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Decatur County Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Decatur County Bank

How many branches does Decatur County Bank operate?

Decatur County Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Decatur County Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Decatur County Bank provides members with tools to manage their accounts and build a solid financial history.

Does Decatur County Bank offer online and mobile banking?

Most modern institutions like Decatur County Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.decaturcountybank.com.