Hearthside Bank Corporation
Middlesboro, KY · Cert 31236 · Peer group: banks under $1B in assets in KY (n=69) · HFB Financial Corp.
State charter, non-member · FDIC · 8 branches
Q2 2026
$608.9MAssets
$456.9MLoans
$547.9MDeposits
$55.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 68% of banks under $1B in assets in KY (rank 23 of 69).
- Widest gap: efficiency ratio trails 77% of banks under $1B in assets in KY (rank 54 of 69).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.83%
Rank 52 of 69
Net Interest Margin
3.58%
Rank 44 of 69
Efficiency Ratio
72.20%
Rank 54 of 69
Equity / Assets
9.03%
Rank 45 of 69
Non-interest income vs. expense
Unfavorable gap of $14.4M · efficiency ratio beats 23% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.83% | 1.18% | 1.44% | Beats 25% | 52 / 69 | |
| Return on Equity | 9.17% | 7.64% | 11.70% | 15.70% | Beats 35% | 45 / 69 | |
| Net Interest Margin | 3.58% | 3.45% | 3.75% | 3.96% | Beats 36% | 44 / 69 | |
| Efficiency Ratio | 72.20% | 55.32% | 62.99% | 70.80% | Beats 23% | 54 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.18% | 0.52% | 1.14% | Beats 61% | 28 / 69 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 68% | 23 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 14.27% | 11.33% | 13.58% | 16.27% | Beats 55% | 31 / 69 | |
| Total Risk-Based Capital Ratio | 15.52% | 11.55% | 14.43% | 17.27% | Beats 58% | 29 / 69 | |
| Equity / Assets | 9.03% | 8.31% | 9.91% | 12.53% | Beats 35% | 45 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 83.39% | 71.40% | 81.07% | 88.03% | 55th pctl | 31 / 69 | |
| Loans / Assets | 75.04% | 61.10% | 68.66% | 76.68% | 65th pctl | 24 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |