First National Bank of Hartford
Hartford, AL · Cert 2804 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Hartford Bancshares Inc.
National charter · OCC · 3 branches
Q2 2026
$173.0MAssets
$95.7MLoans
$152.3MDeposits
$19.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 63% of banks under $1B in assets operating in a single state (rank 279 of 746).
- Widest gap: net charge-offs / loans trails 87% of banks under $1B in assets operating in a single state (rank 648 of 743).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.16%
Rank 323 of 746
Net Interest Margin
3.93%
Rank 279 of 746
Efficiency Ratio
73.34%
Rank 533 of 746
Equity / Assets
11.20%
Rank 304 of 746
Non-interest income vs. expense
Unfavorable gap of $4.2M · efficiency ratio beats 29% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.72% | 1.06% | 1.45% | Beats 57% | 323 / 746 | |
| Return on Equity | 10.31% | 6.74% | 10.51% | 13.63% | Beats 49% | 379 / 746 | |
| Net Interest Margin | 3.93% | 3.17% | 3.68% | 4.16% | Beats 63% | 279 / 746 | |
| Efficiency Ratio | 73.34% | 55.74% | 64.58% | 75.47% | Beats 29% | 533 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.19% | 0.09% | 0.42% | 1.07% | Beats 22% | 579 / 743 | |
| Net Charge-Offs / Loans | 0.12% | 0.00% | 0.01% | 0.05% | Beats 13% | 648 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.88% | 11.55% | 13.75% | 17.60% | Beats 40% | 446 / 746 | |
| Total Risk-Based Capital Ratio | 12.88% | 11.71% | 14.33% | 18.43% | Beats 36% | 481 / 746 | |
| Equity / Assets | 11.20% | 8.90% | 10.51% | 13.06% | Beats 59% | 304 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 62.80% | 61.31% | 78.27% | 90.78% | 26th pctl | 549 / 746 | |
| Loans / Assets | 55.30% | 53.60% | 66.97% | 76.08% | 28th pctl | 539 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |