Savannah, TN · Cert 20993 · Hardin County Bancshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 1.16% | 1.04% | 1.08% | 1.19% | 1.09% | 1.22% | 1.29% | +21 bps | |
| Return on Equity | 13.81% | 13.06% | 12.01% | 12.39% | 13.38% | 12.24% | 13.43% | 13.98% | +159 bps | |
| Net Interest Margin | 3.66% | 3.62% | 3.55% | 3.60% | 3.69% | 3.70% | 3.66% | 3.75% | +15 bps | |
| Efficiency Ratio | 58.06% | 59.59% | 63.70% | 62.63% | 60.23% | 62.17% | 58.93% | 57.93% | -470 bps | |
| Non-Interest Burden | 1.84% | 1.92% | 2.04% | 2.04% | 1.99% | 2.14% | 1.90% | 1.91% | -13 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 | 0.60% | 0.47% | 0.04% | 0.05% | 0.04% | 0.03% | 0.02% | 0.02% | -3 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 | |