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Hardin County Savings Bank

Eldora, IA · Cert 5817 · Hardin County Bcorp

State charter, non-member · FDIC · 2 branches

Q2 2026

$402.3MAssets
$249.7MLoans
$324.4MDeposits
$24.5MEquity
Loan mix
86%RE $190.0M9%C&I $19.3M5%Consumer $10.9MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $282.8M13%Noninterest $41.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.98%, up 10 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 1.25% of loans (-6 bps YoY), with net charge-offs at 0.18%.
  • Capital: tier 1 leverage ratio of 9.79%, unchanged from a year ago.
  • Funding: loans stand at 76.98% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.98%+10 bps YoY

Net Interest Margin (quarter, annualized)

2.83%+9 bps YoY

Efficiency Ratio (quarter, annualized)

52.33%-430 bps YoY

Tier 1 Leverage Ratio

9.79%0 bps YoY

NIM

5.03%Q2 ’245.41%Q2 ’255.36%Q2 ’26+13%+3%

Non-interest income vs. expense

1.52%Q2 ’241.68%Q2 ’251.59%Q2 ’26+12%-5%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.85%0.92%0.88%0.80%0.86%0.93%0.98%+10 bps
Return on Equity12.35%15.22%17.48%19.32%18.45%17.44%17.61%17.28%-204 bps
Net Interest Margin2.36%2.61%2.64%2.73%2.60%2.71%2.70%2.83%+9 bps
Efficiency Ratio60.47%56.61%55.31%56.63%58.61%55.82%56.26%52.33%-430 bps
Non-Interest Burden1.34%1.38%1.35%1.45%1.44%1.42%1.42%1.38%-7 bps
Growth
Asset Growth (YoY)4.23%2.12%2.21%11.41%17.25%14.51%13.20%6.17%-525 bps
Loan Growth (YoY)7.09%5.95%11.83%18.63%20.16%23.82%18.84%12.30%-633 bps
Deposit Growth (YoY)2.75%3.81%6.80%14.83%20.36%11.56%8.48%0.86%-1,397 bps
Asset Quality
Nonperforming Loans / Loans1.49%1.40%1.37%1.31%1.25%1.15%1.31%1.25%-6 bps
Net Charge-Offs / Loans0.29%0.09%-0.02%0.05%0.03%-0.01%-0.01%0.18%+13 bps
Allowance / Loans0.62%0.62%0.66%0.67%0.68%0.67%0.72%0.75%+8 bps
Allowance Coverage of NPLs0.4x0.4x0.5x0.5x0.5x0.6x0.6x0.6x+0.1x
Capital
Tier 1 Leverage Ratio10.03%9.98%10.08%9.79%9.38%9.62%9.63%9.79%0 bps
Total Risk-Based Capital14.53%13.89%14.16%13.71%13.54%13.49%13.96%14.06%+35 bps
Equity / Assets5.70%5.49%5.02%4.11%4.57%5.34%5.27%6.09%+199 bps
Liquidity & Funding
Loans / Deposits66.41%70.34%67.69%69.13%66.30%78.07%74.16%76.98%+784 bps
Liquid Assets / Assets13.67%13.63%13.44%12.67%11.76%12.01%11.99%12.03%-65 bps
CRE / Total Capitaln/an/an/an/a181.15%206%208%n/an/a