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
Unfavorable gap of $510K · efficiency ratio beats 94% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.48% | 0.83% | 1.18% | 1.44% | Beats 97% | 2 / 69 | | |
| Return on Equity | 7.51% | 7.64% | 11.70% | 15.70% | Beats 22% | 54 / 69 | | |
| Net Interest Margin | 4.78% | 3.45% | 3.75% | 3.96% | Beats 96% | 3 / 69 | | |
| Efficiency Ratio | 47.64% | 55.32% | 62.99% | 70.80% | Beats 94% | 5 / 69 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.18% | 0.52% | 1.14% | Beats 100% | 6 / 69 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.06% | Beats 100% | 7 / 69 | | |
| Capital |
| Tier 1 Capital Ratio | 39.24% | 11.33% | 13.58% | 16.27% | Beats 96% | 3 / 69 | | |
| Total Risk-Based Capital Ratio | 40.54% | 11.55% | 14.43% | 17.27% | Beats 96% | 3 / 69 | | |
| Equity / Assets | 32.97% | 8.31% | 9.91% | 12.53% | Beats 97% | 2 / 69 | | |
| Liquidity & Funding |
| Loans / Deposits | 119.01% | 71.40% | 81.07% | 88.03% | 94th pctl | 4 / 69 | | |
| Loans / Assets | 79.42% | 61.10% | 68.66% | 76.68% | 77th pctl | 16 / 69 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |