Savannah, TN · Cert 20993 · Hardin County Bancshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.92% | 1.04% | 1.12% | 1.40% | 0.82% | 1.22% | 1.35% | +23 bps | |
| Return on Equity | 10.52% | 10.32% | 12.01% | 12.71% | 15.39% | 8.89% | 13.43% | 14.57% | +186 bps | |
| Net Interest Margin | 3.85% | 3.76% | 3.55% | 3.67% | 3.89% | 3.91% | 3.66% | 3.87% | +20 bps | |
| Efficiency Ratio | 61.05% | 64.40% | 63.70% | 61.58% | 55.80% | 68.46% | 58.93% | 56.99% | -459 bps | |
| Non-Interest Burden | 2.23% | 2.31% | 2.04% | 2.05% | 1.90% | 2.68% | 1.90% | 1.93% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.82% | 7.10% | 1.98% | 6.40% | 4.62% | 4.25% | 7.86% | 6.64% | +24 bps | |
| Loan Growth (YoY) | 3.29% | 6.39% | 4.14% | 3.92% | 1.68% | 2.56% | 0.71% | 3.43% | -49 bps | |
| Deposit Growth (YoY) | 2.03% | 7.28% | 1.59% | 6.80% | 5.20% | 3.54% | 7.69% | 6.08% | -71 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.53% | 0.08% | 0.47% | 0.40% | 0.39% | 0.19% | 0.18% | 0.16% | -23 bps | |
| Net Charge-Offs / Loans | 1.32% | 0.09% | 0.04% | 0.06% | 0.02% | 0.00% | 0.02% | 0.02% | -4 bps | |
| Allowance / Loans | 0.83% | 0.80% | 0.85% | 0.94% | 0.96% | 0.98% | 1.05% | 1.05% | +11 bps | |
| Allowance Coverage of NPLs | 1.6x | 9.8x | 1.8x | 2.4x | 2.5x | 5.1x | 6.0x | 6.4x | +4.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.93% | 10.26% | 10.30% | 10.53% | 10.83% | 10.57% | 10.57% | 10.84% | +31 bps | |
| Total Risk-Based Capital | 10.93% | 10.26% | 10.30% | 10.53% | 10.83% | 10.57% | 10.57% | 10.84% | +31 bps | |
| Equity / Assets | 9.45% | 8.46% | 8.80% | 8.85% | 9.35% | 9.16% | 9.06% | 9.48% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.74% | 89.57% | 88.49% | 88.71% | 89.64% | 88.72% | 82.75% | 86.49% | -222 bps | |
| Liquid Assets / Assets | 1.53% | 3.36% | 5.10% | 4.52% | 4.68% | 5.45% | 8.39% | 5.52% | +100 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 276% | 297% | 263% | n/a | n/a | |