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Hart County Bank and Trust Company

Munfordville, KY · Cert 10145 · Hart Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KY3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KY (n=69). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

96

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

94

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hart County Bank and Trust Company

Munfordville, KY · Cert 10145 · Hart Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$24.1MAssets
$19.2MLoans
$16.1MDeposits
$8.0MEquity
Loan mix
44%RE $8.1M55%C&I $10.2M1%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
58%Interest-bearing $9.3M42%Noninterest $6.8MQ2 2025Q2 2026

NIM

4.51%Q2 ’244.32%Q2 ’255.11%Q2 ’26-6%+17%

Non-interest income vs. expense

2.48%Q2 ’242.21%Q2 ’252.34%Q2 ’26-12%+7%

Executive Summary

  • Earnings: ROA of 2.51%, up 50 bps year over year; NIM at 4.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 34.31%, up 378 bps from a year ago.
  • Funding: loans stand at 119.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.51%+50 bps YoY

Net Interest Margin (YTD, annualized)

4.78%+69 bps YoY

Efficiency Ratio (YTD, annualized)

47.64%-446 bps YoY

Tier 1 Leverage Ratio

34.31%+378 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.01%2.06%2.14%2.45%2.51%+50 bps
Return on Equity6.65%6.81%7.02%7.74%7.81%+116 bps
Net Interest Margin4.09%4.22%4.56%4.54%4.78%+69 bps
Efficiency Ratio52.09%52.36%52.27%49.30%47.64%-446 bps
Non-Interest Burden2.05%2.14%2.31%2.09%2.20%+15 bps
Growth
Asset Growth (YoY)-4.25%-2.84%-5.73%-5.87%-1.89%+236 bps
Loan Growth (YoY)-4.92%1.89%13.42%7.18%15.89%+2,081 bps
Deposit Growth (YoY)-7.14%-2.84%-7.18%-9.93%-2.98%+416 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans6.13%5.83%5.36%5.52%5.29%-84 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio30.53%29.68%31.75%31.97%34.31%+378 bps
Total Risk-Based Capital42.22%39.51%38.59%39.90%40.54%-169 bps
Equity / Assets30.69%30.32%31.77%31.54%32.97%+228 bps
Liquidity & Funding
Loans / Deposits99.63%106.44%120.96%114.08%119.01%+1,938 bps
Liquid Assets / Assets28.35%21.09%13.21%17.60%14.10%-1,426 bps
CRE / Total Capitaln/a108.09%108.60%102.66%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Hart County Bank and Trust Company

Munfordville, KY · Cert 10145 · Peer group: banks under $1B in assets in KY (n=69) · Hart Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$24.1MAssets
$19.2MLoans
$16.1MDeposits
$8.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KY (rank 6 of 69).
  • Widest gap: return on equity trails 78% of banks under $1B in assets in KY (rank 54 of 69).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.48%

Rank 2 of 69

Net Interest Margin

4.78%

Rank 3 of 69

Efficiency Ratio

47.64%

Rank 5 of 69

Equity / Assets

32.97%

Rank 2 of 69

Non-interest income vs. expense

$34K$544KINCOMEEXPENSE
Unfavorable gap of $510K · efficiency ratio beats 94% of banks under $1B in assets in KY
Bank 47.64%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.48%0.83%1.18%1.44%Beats 97%2 / 69
Return on Equity7.51%7.64%11.70%15.70%Beats 22%54 / 69
Net Interest Margin4.78%3.45%3.75%3.96%Beats 96%3 / 69
Efficiency Ratio47.64%55.32%62.99%70.80%Beats 94%5 / 69
Asset Quality
Nonperforming Loans / Loans0.00%0.18%0.52%1.14%Beats 100%6 / 69
Net Charge-Offs / Loans0.00%0.01%0.02%0.06%Beats 100%7 / 69
Capital
Tier 1 Capital Ratio39.24%11.33%13.58%16.27%Beats 96%3 / 69
Total Risk-Based Capital Ratio40.54%11.55%14.43%17.27%Beats 96%3 / 69
Equity / Assets32.97%8.31%9.91%12.53%Beats 97%2 / 69
Liquidity & Funding
Loans / Deposits119.01%71.40%81.07%88.03%94th pctl4 / 69
Loans / Assets79.42%61.10%68.66%76.68%77th pctl16 / 69
Brokered Deposits / Depositsn/aNot reported for this institution