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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

$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

4.35%Q2 ’244.38%Q2 ’255.28%Q2 ’26-2%+20%

Non-interest income vs. expense

1.93%Q2 ’242.31%Q2 ’252.26%Q2 ’26+19%+3%

Executive Summary

  • Earnings: ROA of 2.56%, up 66 bps year over year; NIM at 4.91%.
  • 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 (quarter, annualized)

2.56%+66 bps YoY

Net Interest Margin (quarter, annualized)

4.91%+81 bps YoY

Efficiency Ratio (quarter, annualized)

45.96%-862 bps YoY

Tier 1 Leverage Ratio

34.31%+378 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.90%2.16%2.40%2.45%2.56%+66 bps
Return on Equity6.36%7.06%7.72%7.74%7.93%+157 bps
Net Interest Margin4.11%4.42%4.94%4.54%4.91%+81 bps
Efficiency Ratio54.58%52.88%52.03%49.30%45.96%-862 bps
Non-Interest Burden2.18%2.28%2.51%2.09%2.26%+8 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