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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 $0.1MQ3 2024Q2 2026
Deposit mix
58%Interest-bearing $9.3M42%Noninterest $6.8MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.27%2.10%2.01%2.06%2.14%2.45%2.51%+50 bps
Return on Equity4.52%4.27%7.00%6.65%6.81%7.02%7.74%7.81%+116 bps
Net Interest Margin4.44%4.30%3.96%4.09%4.22%4.56%4.54%4.78%+69 bps
Efficiency Ratio58.31%58.30%49.62%52.09%52.36%52.27%49.30%47.64%-446 bps
Non-Interest Burden2.53%2.45%1.87%2.05%2.14%2.31%2.09%2.20%+15 bps
Growth
Asset Growth (YoY)-10.77%-7.44%-0.87%-4.25%-2.84%-5.73%-5.87%-1.89%+236 bps
Loan Growth (YoY)-11.96%-10.33%-3.28%-4.92%1.89%13.42%7.18%15.89%+2,081 bps
Deposit Growth (YoY)-16.18%-11.56%0.52%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans5.94%6.08%5.91%6.13%5.83%5.36%5.52%5.29%-84 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio30.62%30.75%29.13%30.53%29.68%31.75%31.97%34.31%+378 bps
Total Risk-Based Capital41.34%42.50%39.95%42.22%39.51%38.59%39.90%40.54%-169 bps
Equity / Assets30.76%30.94%29.05%30.69%30.32%31.77%31.54%32.97%+228 bps
Liquidity & Funding
Loans / Deposits101.49%99.00%95.87%99.63%106.44%120.96%114.08%119.01%+1,938 bps
Liquid Assets / Assets24.75%28.72%28.32%28.35%21.09%13.21%17.60%14.10%-1,426 bps
CRE / Total Capitaln/an/an/an/a108.09%108.60%102.66%n/an/a