Hardin County Savings Bank
Eldora, IA · Cert 5817 · Peer group: banks under $1B in assets in IA (n=134-135) · Hardin County Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
$402.3MAssets
$249.7MLoans
$324.4MDeposits
$24.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 89% of banks under $1B in assets in IA (rank 15 of 135).
- Widest gap: equity / assets trails 100% of banks under $1B in assets in IA (rank 135 of 135).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.96%
Rank 97 of 135
Net Interest Margin
2.76%
Rank 115 of 135
Efficiency Ratio
54.25%
Rank 57 of 135
Equity / Assets
6.09%
Rank 135 of 135
Non-interest income vs. expense
Unfavorable gap of $5.6M · efficiency ratio beats 59% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.92% | 1.19% | 1.47% | Beats 28% | 97 / 135 | |
| Return on Equity | 15.73% | 7.99% | 10.26% | 13.14% | Beats 89% | 15 / 135 | |
| Net Interest Margin | 2.76% | 2.95% | 3.41% | 3.73% | Beats 15% | 115 / 135 | |
| Efficiency Ratio | 54.25% | 50.61% | 57.35% | 63.29% | Beats 59% | 57 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.25% | 0.03% | 0.51% | 1.26% | Beats 26% | 100 / 134 | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.01% | 0.03% | Beats 19% | 109 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 13.38% | 11.23% | 13.31% | 15.45% | Beats 50% | 67 / 135 | |
| Total Risk-Based Capital Ratio | 14.06% | 11.61% | 14.06% | 16.47% | Beats 50% | 68 / 135 | |
| Equity / Assets | 6.09% | 9.87% | 11.05% | 13.07% | Beats 0% | 135 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 76.98% | 68.54% | 81.55% | 91.24% | 40th pctl | 81 / 134 | |
| Loans / Assets | 62.08% | 57.61% | 68.06% | 76.23% | 33rd pctl | 90 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |