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Hardin County Bank, The

Savannah, TN · Cert 20993 · Hardin County Bancshares Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

22

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

62

Q2 2024Q2 2026peer median

Efficiency

68

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

Hardin County Bank, The

Savannah, TN · Cert 20993 · Hardin County Bancshares Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$676.7MAssets
$519.2MLoans
$600.3MDeposits
$64.1MEquity
Loan mix
65%RE $324.1M32%C&I $158.5M3%Consumer $16.2MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $403.3M33%Noninterest $197.0MQ2 2025Q2 2026

NIM

5.65%Q2 ’245.71%Q2 ’255.67%Q2 ’26+0%+4%

Non-interest income vs. expense

2.55%Q2 ’242.61%Q2 ’252.54%Q2 ’26+24%-6%

Executive Summary

  • Earnings: ROA of 1.29%, up 21 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.16% of loans (-23 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.84%, up 31 bps from a year ago.
  • Funding: loans stand at 86.49% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.29%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.75%+15 bps YoY

Efficiency Ratio (YTD, annualized)

57.93%-470 bps YoY

Tier 1 Leverage Ratio

10.84%+31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.19%1.09%1.22%1.29%+21 bps
Return on Equity12.39%13.38%12.24%13.43%13.98%+159 bps
Net Interest Margin3.60%3.69%3.70%3.66%3.75%+15 bps
Efficiency Ratio62.63%60.23%62.17%58.93%57.93%-470 bps
Non-Interest Burden2.04%1.99%2.14%1.90%1.91%-13 bps
Growth
Asset Growth (YoY)6.40%4.62%4.25%7.86%6.64%+24 bps
Loan Growth (YoY)3.92%1.68%2.56%0.71%3.43%-49 bps
Deposit Growth (YoY)6.80%5.20%3.54%7.69%6.08%-71 bps
Asset Quality
Nonperforming Loans / Loans0.40%0.39%0.19%0.18%0.16%-23 bps
Net Charge-Offs / Loans0.05%0.04%0.03%0.02%0.02%-3 bps
Allowance / Loans0.94%0.96%0.98%1.05%1.05%+11 bps
Allowance Coverage of NPLs2.4x2.5x5.1x6.0x6.4x+4.0x
Capital
Tier 1 Leverage Ratio10.53%10.83%10.57%10.57%10.84%+31 bps
Total Risk-Based Capital10.53%10.83%10.57%10.57%10.84%+31 bps
Equity / Assets8.85%9.35%9.16%9.06%9.48%+63 bps
Liquidity & Funding
Loans / Deposits88.71%89.64%88.72%82.75%86.49%-222 bps
Liquid Assets / Assets4.52%4.68%5.45%8.39%5.52%+100 bps
CRE / Total Capitaln/a276%297%263%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

Hardin County Bank, The

Savannah, TN · Cert 20993 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Hardin County Bancshares Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$676.7MAssets
$519.2MLoans
$600.3MDeposits
$64.1MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 73% of banks under $1B in assets operating in a single state (rank 200 of 746).
  • Widest gap: total risk-based capital ratio trails 84% of banks under $1B in assets operating in a single state (rank 626 of 746).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.28%

Rank 257 of 746

Net Interest Margin

3.75%

Rank 349 of 746

Efficiency Ratio

57.93%

Rank 240 of 746

Equity / Assets

9.48%

Rank 498 of 746

Non-interest income vs. expense

$4.3M$17.3MINCOMEEXPENSE
Unfavorable gap of $13.0M · efficiency ratio beats 68% of banks under $1B in assets operating in a single state
Bank 57.93%Peer median 64.6%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.28%0.72%1.06%1.45%Beats 66%257 / 746
Return on Equity13.48%6.74%10.51%13.63%Beats 73%200 / 746
Net Interest Margin3.75%3.17%3.68%4.16%Beats 53%349 / 746
Efficiency Ratio57.93%55.74%64.58%75.47%Beats 68%240 / 746
Asset Quality
Nonperforming Loans / Loans0.16%0.09%0.42%1.07%Beats 69%233 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 52%363 / 743
Capital
Tier 1 Capital Ratio10.84%11.55%13.75%17.60%Beats 17%616 / 746
Total Risk-Based Capital Ratio10.84%11.71%14.33%18.43%Beats 16%626 / 746
Equity / Assets9.48%8.90%10.51%13.06%Beats 33%498 / 746
Liquidity & Funding
Loans / Deposits86.49%61.31%78.27%90.78%67th pctl246 / 746
Loans / Assets76.73%53.60%66.97%76.08%77th pctl169 / 746
Brokered Deposits / Depositsn/aNot reported for this institution