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
Unfavorable gap of $13.0M · efficiency ratio beats 68% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.28% | 0.72% | 1.06% | 1.45% | Beats 66% | 257 / 746 | | |
| Return on Equity | 13.48% | 6.74% | 10.51% | 13.63% | Beats 73% | 200 / 746 | | |
| Net Interest Margin | 3.75% | 3.17% | 3.68% | 4.16% | Beats 53% | 349 / 746 | | |
| Efficiency Ratio | 57.93% | 55.74% | 64.58% | 75.47% | Beats 68% | 240 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.09% | 0.42% | 1.07% | Beats 69% | 233 / 743 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 52% | 363 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.84% | 11.55% | 13.75% | 17.60% | Beats 17% | 616 / 746 | | |
| Total Risk-Based Capital Ratio | 10.84% | 11.71% | 14.33% | 18.43% | Beats 16% | 626 / 746 | | |
| Equity / Assets | 9.48% | 8.90% | 10.51% | 13.06% | Beats 33% | 498 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.49% | 61.31% | 78.27% | 90.78% | 67th pctl | 246 / 746 | | |
| Loans / Assets | 76.73% | 53.60% | 66.97% | 76.08% | 77th pctl | 169 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |