Decatur County Bank

What Decatur County Bank does

Decatur County Bank is a privately held, FDIC-insured community bank founded in 1899 and headquartered in Decaturville, Tennessee. The bank serves retail consumers and small-to-medium-sized businesses across West Tennessee through five physical branches operating under two brands—Decatur County Bank (Decaturville, Parsons) and West Tennessee Bank (Jackson, Brownsville, Germantown)—with a relationship-led model emphasizing local loan decision-making and complemented by a 24/7 digital channel (mobile apps, online banking, mobile deposit, bill pay, Zelle, and alerts).

The product portfolio spans three personal checking tiers (Freedom, BaZing, BaZing Premium), Standard and Youth savings, a tiered Mastercard credit card line (Platinum, World, World Elite) for both consumers and businesses, and four business checking accounts (Regular Checking, Money Market, Business Interest, Business Interest Plus). Lending includes mortgage, home equity, land, construction, bridge, vehicle, business, and SBA loans, plus a Capital Express accounts-receivable financing line. Cash management services (Remote Deposit, Lockbox, Positive Pay, ACH, wire) and merchant services through BancCard round out the business suite, with IntraFi Network Deposits enabling up to $50M of FDIC coverage on large balances. Underlying technology is a standard stack: Fiserv for digital account opening, a multi-factor-authenticated, TLS 1.2+/AES-256-encrypted mobile and online banking platform, and partner-led integrations (Mastercard, IntraFi, BancCard).

The business model is a traditional spread-plus-fee community bank revenue mix: interest income on loans and credit cards is the primary stream, supplemented by deposit service charges (monthly fees largely waivable with balance thresholds), credit card interchange and annual fees (tiered $0–$299), cash management transaction fees, and merchant services revenue share via BancCard. The bank earns CDFI certification from the U.S. Department of the Treasury and received a $2,478,839 CDFI Fund award in April 2023, supporting its community development lending mandate. GTM is sales-led and relationship-driven, anchored by the branch network and community presidents at each location, with digital banking extending reach and a how-to video library and community events supporting retention and brand.

Name

Decatur County Bank

Legal name

Decatur County Bank

Website

https://decaturcountybank.com

Company type

Private

Founded year

1899

Operating status

Operating

Headcount range

101–250 employees

Short description

Decatur County Bank is a privately held, FDIC-insured community bank founded in 1899 and headquartered in Decaturville, Tennessee. It serves retail consumers and small-to-medium-sized businesses across West Tennessee through five branches under the Decatur County Bank and West Tennessee Bank brands, offering deposits, consumer and commercial lending, credit cards, cash management, and merchant services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Community banking services
• Personal banking products
• Business banking solutions
• Consumer lending
• Commercial lending

Headquarters

HQ city

Decaturville

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Primary revenue from lending activities including home loans, personal loans, business loans, and credit cards. Interest earned on loans and mortgages represents core banking revenue.
2. Deposit Service Charges: Monthly service charges on checking and savings accounts. Overdraft fees, insufficient funds charges, and account maintenance fees.
3. Credit Card Fees: Annual fees on credit cards (World Elite, World, Platinum tiers), balance transfer fees, cash advance fees, and foreign transaction fees where applicable.
4. Cash Management Services: Fees for remote deposit, lockbox, positive pay, ACH processing, wire transfers, and business online banking services.
5. Merchant Services: Revenue share from payment processing through BancCard partnership for merchant credit card processing.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Decatur County Bank is a privately held community bank that provides personal and business banking products and services — including checking, savings, money market, certificates of deposit, credit cards, mortgage loans, consumer loans, vehicle loans, home equity loans, land and construction loans, SBA loans, commercial loans, cash management, merchant services, and IntraFi network deposits — delivered through five West Tennessee branches, mobile apps, and online banking.

Product overview

Decatur County Bank is a community bank offering a comprehensive portfolio of personal and business banking products through its main brand and West Tennessee Bank division. Personal banking includes three checking account tiers (Freedom Checking, BaZing, BaZing Premium), Standard and Youth Savings accounts, and a Platinum Collection of Mastercard credit cards ranging from no-annual-fee Platinum to premium World Elite options. Business banking encompasses four checking account types (Regular Checking, Money Market, Business Interest, Business Interest Plus), Business Mastercard credit cards, and commercial lending including traditional Business Loans, Capital Express accounts receivable financing, and SBA loans. The bank provides home lending through mortgage, home equity, land, construction, and bridge loan products. Cash management services include Remote Deposit, Lockbox, Positive Pay, ACH Processing, and Wire Transfers with IntraFi Network Deposits for large deposit FDIC coverage. Digital banking is delivered via mobile apps for retail and business customers with Mobile Deposit, eStatements, Online Banking, Bill Pay, and Alerts. The bank operates five physical branches under both the Decatur County Bank and West Tennessee Bank brands.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts A suite of consumer demand deposit accounts including Freedom Checking, 50+ Interest Checking, and BaZing/BaZing Premium packaged accounts that bundle benefits such as identity theft protection, roadside assistance, cell phone protection, and financial tools. Targeted at individuals, families, and households in West Tennessee.
• Personal Savings Accounts Standard personal savings and youth savings accounts designed to help individuals and families accumulate funds and earn interest, including first-account opening for minors.
• Personal Credit Cards Tiered consumer credit card products — Platinum, World, and World Elite — with annual fees and rewards/benefits scaling by tier. Targeted at consumer cardholders who want a bank-issued credit card.
• Mortgage Loans Residential mortgage financing for home purchases and refinancing, delivered with local underwriting and decisioning. For consumers and households purchasing or refinancing primary residences in the bank's service area.
• Home Equity Loans Home equity-secured consumer loans that allow homeowners to borrow against accumulated equity for major purchases, debt consolidation, or other needs.
• Land and Construction Loans Short-term financing for land purchases and new home construction, converting to permanent mortgage financing upon completion. For consumers building or developing residential property.
• Vehicle Loans

Quantifiable outcome

• 125 years of continuous operation
• +2 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature6 records

Partnerships

Five partnerships are on record, tiered core and minor.

• BancCardcoreTechnology or IntegrationStrategic partnership with BancCard, the leading merchant services provider with over 20 years of experience. BancCard provides payment processing technology, point-of-sale systems, mobile payments, e-commerce solutions, and 24/7 customer support. Partnership enables Decatur County Bank to offer customized payment processing plans to business customers through BancCard's partnerships with top five processors.
• IntraFi NetworkcoreTechnology or IntegrationPartnership with IntraFi Network Deposits enables FDIC insurance coverage up to $50 million. Through reciprocal deposits across the IntraFi network, funds are divided among member banks keeping each portion under $250,000 FDIC limit. Customers maintain single relationship with Decatur County Bank while deposits are protected and reinvested in local community loans.
• FiservcoreTechnology or IntegrationDigital account opening platform provider (decaturcountybank.originate.fiservapps.com) powering the online account opening functionality. Provides origination platform technology for new account applications.
• MastercardcoreTechnology or IntegrationCredit card network partnership providing Mastercard-branded personal and business credit cards including Platinum, World, and World Elite tiers. Includes Mastercard ID Theft Protection, Zero Liability Protection, Global Services, travel benefits, and receipt management.
• American Bankers Association - Teach Children to Save CampaignminorOthersParticipant in ABA's Teach Children to Save Campaign focused on youth financial education. Promotes youth savings accounts and financial literacy for children.

Scale indicators4 records

Recent moves11 records

Expansion highlights5 records

Broad incumbents

• Simmons Bank: Arkansas-based regional bank with significant Tennessee presence, offering consumer and commercial banking, treasury management, and lending. Competes for SMB and consumer relationships in West Tennessee markets.
• Pinnacle Financial Partners: Large Tennessee-based regional bank with full consumer, commercial, and wealth management offerings. Competes with Decatur County Bank for middle-market and high-net-worth clients across Tennessee, especially in the Jackson/Germantown markets.
• First Horizon Corporation: Major Tennessee-headquartered regional bank (parent of First Tennessee Bank) with extensive branch and commercial banking franchise. Overlaps with Decatur County Bank on consumer deposits, mortgage, and commercial lending in West Tennessee.

Direct peers

• Wilson Bank & Trust: Tennessee community bank offering consumer and commercial banking, mortgage lending, and digital services through a multi-branch network. Direct competitor for retail deposits and SMB relationships in Tennessee.
• SmartBank: Tennessee-based community bank with multi-state branch footprint offering personal, business, and mortgage banking. Direct peer in scale and customer profile, competing for community bank relationships in Tennessee.
• FirstBank (FirstBank of Tennessee): Tennessee-headquartered community bank with similar branch-based model, deposit gathering, and small business lending focus. Closest comparable in scale, geography, and product set to Decatur County Bank.
• First Community Bank of Tennessee: Tennessee-based community bank serving consumer and small business customers with deposit, lending, and digital banking products. Similar community banking business model and scale profile.
• Citizens Savings Bank and Trust: Tennessee community bank focused on consumer and small business banking. Comparable in scale and product set to Decatur County Bank within the Tennessee community banking segment.
• F&M Bank (Tennessee): Tennessee-headquartered community bank with consumer and commercial banking, mortgage, and digital services. Comparable mid-sized Tennessee community bank competing for similar customer segments.
• Bank of Tennessee (a division of FirstBank): Tennessee-based community banking brand offering deposit, lending, and treasury products to consumers and businesses. Similar mid-sized community bank profile competing in overlapping Tennessee markets.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/decaturcountybank
• LinkedInlinkedin.com/company/decatur-county-bank
• Instagraminstagram.com/decaturcountybank
• Xx.com/decaturbanking

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Decatur County Bank