FIRST DECATUR BANCSHARES INC

FIRST DECATUR BANCSHARES INC

FIRST DECATUR BANCSHARES INC, operating under SIC 6021 within the State Commercial Banks niche, combines community-oriented deposit-taking, lending, and cash management services to serve individuals, small businesses, and local agricultural producers across its regional footprint. The company’s core products include checking and savings accounts, certificates of deposit, consumer, commercial, and agricultural loans, plus treasury services tailored to the cash-flow cycles of area firms. Focused on disciplined underwriting and relationship banking, management balances growth ambitions with sensitivity to state and federal supervision, including the FDIC, state banking commission rules, and emerging capital requirements. Interest-rate volatility, credit quality shifts among regional borrowers, and evolving compliance expectations represent material risks that can affect earnings and capital planning, especially in light of the bank’s last public disclosure via Form 10-Q filed Nov 1999. Continued vigilance over loan portfolios and regulatory reporting keeps stakeholders apprised; view live SEC filings on Earnings Feed.