Lender record
Decatur County Bank
The real lending record — every figure from funded deals. HQ: 56 N Pleasant St, Decaturville, TN. 5 branches.
14
Recent deals (FY20+)
$500K
Typical deal
17 days
Approval → funding
Where Decatur County Bank lends
Deals Decatur County Bank funded — list all 14 as text
- SugarSpoon LLC — Mason · $79K · FY2026 · Pharmacies and Drug Retailers
- O'Neal Trailers, LLC — Alamo · $1.3M · FY2025 · Travel Trailer and Camper Manufacturing
- Millington Cakes, LLC — Millington · $782K · FY2025 · Baked Goods Retailers
- My Town Movers, Inc. — Collierville · $619K · FY2025 · General Freight Trucking, Local
- Hole Lotta Cake Jackson, LLC — Jackson · $600K · FY2025 · Baked Goods Retailers
- El Mero, Inc. — Cordova · $442K · FY2025 · Food Service Contractors
- Hall & Associates Lumber, LLC — Clifton · $202K · FY2025 · Sawmills
- DOWLING PHARMACY, L.L.C. — Brownsville · $150K · FY2025 · Pharmacies and Drug Retailers
- Focus Holdings, LLC — Germantown · $827K · FY2024 · Diagnostic Imaging Centers
- Hole Lotta Cake Collierville, LLC — Collierville · $500K · FY2024 · Baked Goods Retailers
- Hole Lotta Cake Collierville, LLC — Collierville · $500K · FY2024 · Baked Goods Retailers
- Artic Apex, LLC — Arlington · $163K · FY2024 · Other Personal Care Services
- Gurudev Hospitality LLC — Brownsville · $850K · FY2021 · Hotels (except Casino Hotels) and Motels
- Chiro Plus, PLLC — Jackson · $78K · FY2021 · Offices of Chiropractors
Deal profile
Most Decatur County Bank deals land between $163K and $782K — that range covers half of everything they fund. Top industries and states:
Industries they fund most
- 1.Baked Goods Retailers (4)
- 2.Pharmacies and Drug Retailers (2)
- 3.Travel Trailer and Camper Manufacturing (1)
- 4.General Freight Trucking, Local (1)
- 5.Food Service Contractors (1)
- 6.Sawmills (1)
- 7.Diagnostic Imaging Centers (1)
- 8.Other Personal Care Services (1)
Most active states
- 1.Tennessee (14 deals)
Franchises they finance most
Nothing Bundt Cakes
4 deals
Zivel
1 deals
Quality Inn by Choice Hotels /Quality Inn & Suites by Choice
1 deals
Can Decatur County Bank fund you? The bank behind the loans
Total assets
$321.2M
▲ 1.3% vs prior quarter
Deposits on hand
$291.2M
▲ 1.8% vs prior quarter
Loans outstanding
$251.0M
▼ 2.6% vs prior quarter
Net income (latest qtr)
$769K
- •SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes Decatur County Bank more SBA-focused than 20% of the banks on our record.
- •Deposits grew last quarter — more raw lending capacity than the quarter before.
- •Return on assets of 0.96% — under the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.
FDIC call-report data, quarter ending 03/2026.
Walk into a Decatur County Bank branch (5)
Decatur County BankMain office56 N Pleasant StDecaturville, TN 38329 · since 1899
Parsons Branch169 Tennessee Ave SParsons, TN 38363 · since 1979
West Tennessee Bank, Jackson Branch92 Exeter RdJackson, TN 38305 · since 2018
Brownsville Branch1489 E Main StBrownsville, TN 38012 · since 2022
Germantown Branch7505 Capital Dr.Germantown, TN 38138 · since 2024
Branch data: FDIC BankFind.
Recent deals
- SugarSpoon LLC in Mason, TN — $79K (2026) · Pharmacies and Drug Retailers
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $40K (50%)
- Approved
- 3/10/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Pharmacies and Drug Retailers
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- O'Neal Trailers, LLC in Alamo, TN — $1.3M (2025) · Travel Trailer and Camper Manufacturing
- Program
- 7a General
- Rate at approval
- 9.5% variable
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $956K (75%)
- Approval → funding
- 44 days
- Approved
- 5/5/2025
- First disbursed
- 6/18/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 15
- Business age
- Existing or more than 2 years old
- Industry
- Travel Trailer and Camper Manufacturing
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- Millington Cakes, LLC in Millington, TN — $782K (2025) · Baked Goods Retailers
- Program
- 7a General
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $587K (75%)
- Approval → funding
- 11 days
- Approved
- 10/18/2024
- First disbursed
- 10/29/2024
- Loan status
- Paid in full (8/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Franchise
- Nothing Bundt Cakes
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Baked Goods Retailers
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- My Town Movers, Inc. in Collierville, TN — $619K (2025) · General Freight Trucking, Local
- Program
- 7a General
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $464K (75%)
- Approval → funding
- 70 days
- Approved
- 3/26/2025
- First disbursed
- 6/4/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- Existing or more than 2 years old
- Industry
- General Freight Trucking, Local
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- Hole Lotta Cake Jackson, LLC in Jackson, TN — $600K (2025) · Baked Goods Retailers
- Program
- 7a General
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $450K (75%)
- Approval → funding
- 9 days
- Approved
- 3/12/2025
- First disbursed
- 3/21/2025
- Loan status
- Paid in full (8/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Franchise
- Nothing Bundt Cakes
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Baked Goods Retailers
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- El Mero, Inc. in Cordova, TN — $442K (2025) · purchase · Food Service Contractors
- Program
- 7a General
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $331K (75%)
- Approval → funding
- 15 days
- Approved
- 11/20/2024
- First disbursed
- 12/5/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 25
- Business age
- Change of Ownership
- Industry
- Food Service Contractors
If you were the buyer here
- Est. deal size
- $491K
- Est. down payment (10%)
- $49K
- Est. cash at closing
- $66K
- Monthly payment
- $5,534
- Annual debt service
- $66K
- Cash flow needed (1.25×)
- $83K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
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- Hall & Associates Lumber, LLC in Clifton, TN — $202K (2025) · Sawmills
- Program
- 7a General
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $152K (75%)
- Approval → funding
- 17 days
- Approved
- 9/2/2025
- First disbursed
- 9/19/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- New Business or 2 years or less
- Industry
- Sawmills
Your business? Claim this record · Request removal
- DOWLING PHARMACY, L.L.C. in Brownsville, TN — $150K (2025) · Pharmacies and Drug Retailers
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (50%)
- Approval → funding
- 21 days
- Approved
- 7/18/2025
- First disbursed
- 8/8/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Existing or more than 2 years old
- Industry
- Pharmacies and Drug Retailers
Your business? Claim this record · Request removal
- Focus Holdings, LLC in Germantown, TN — $827K (2024) · Diagnostic Imaging Centers
- Program
- 7a General
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $620K (75%)
- Approval → funding
- 47 days
- Approved
- 9/6/2024
- First disbursed
- 10/23/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 40
- Business age
- Existing or more than 2 years old
- Industry
- Diagnostic Imaging Centers
Your business? Claim this record · Request removal
- Hole Lotta Cake Collierville, LLC in Collierville, TN — $500K (2024) · Baked Goods Retailers
- Program
- 7a General
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $375K (75%)
- Approved
- 3/14/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Franchise
- Nothing Bundt Cakes
- Jobs supported
- 91
- Business age
- Existing or more than 2 years old
- Industry
- Baked Goods Retailers
Your business? Claim this record · Request removal
Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.
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Businesses Decatur County Bank financed
13 businesses on record. Each links to its full SBA record.
- O'Neal Trailers, LLCAlamo, TN · 1 loan$1.3M
- Hole Lotta Cake Collierville, LLCCollierville, TN · 2 loans$1.0M
- Gurudev Hospitality LLCBrownsville, TN · 1 loan$850K
- Focus Holdings, LLCGermantown, TN · 1 loan$827K
- Millington Cakes, LLCMillington, TN · 1 loan$782K
- My Town Movers, Inc.Collierville, TN · 1 loan$619K
- Hole Lotta Cake Jackson, LLCJackson, TN · 1 loan$600K
- El Mero, Inc.Cordova, TN · 1 loan$442K
- Hall & Associates Lumber, LLCClifton, TN · 1 loan$202K
- Artic Apex, LLCArlington, TN · 1 loan$163K
- DOWLING PHARMACY, L.L.C.Brownsville, TN · 1 loan$150K
- SugarSpoon LLCMason, TN · 1 loan$79K
- Chiro Plus, PLLCJackson, TN · 1 loan$78K
Work at Decatur County Bank?
Claim this profile to keep your record accurate, route buyer leads to your team, or sponsor your placement in the rankings.
CapBench analysis of public lending records, FY2020–present. Not affiliated with Decatur County Bank.
Agent summary
This page summarizes Decatur County Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.
- 14 SBA 7(a) loans on record
- $500K typical deal
- 1 business-acquisition loans
- HQ: 56 N Pleasant St, Decaturville, TN
- 5 FDIC branch locations
- FDIC total assets $321.2M
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.
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