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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

$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

5.73%Q2 ’245.78%Q2 ’255.77%Q2 ’26+1%+6%

Non-interest income vs. expense

2.55%Q2 ’242.60%Q2 ’252.57%Q2 ’26+2%-6%

Executive Summary

  • Earnings: ROA of 1.35%, up 23 bps year over year; NIM at 3.87%.
  • 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 (quarter, annualized)

1.35%+23 bps YoY

Net Interest Margin (quarter, annualized)

3.87%+20 bps YoY

Efficiency Ratio (quarter, annualized)

56.99%-459 bps YoY

Tier 1 Leverage Ratio

10.84%+31 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.40%0.82%1.22%1.35%+23 bps
Return on Equity12.71%15.39%8.89%13.43%14.57%+186 bps
Net Interest Margin3.67%3.89%3.91%3.66%3.87%+20 bps
Efficiency Ratio61.58%55.80%68.46%58.93%56.99%-459 bps
Non-Interest Burden2.05%1.90%2.68%1.90%1.93%-12 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 / Loans0.06%0.02%0.00%0.02%0.02%-4 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