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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 0.96%, up 6 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 1.25% of loans (-6 bps YoY), with net charge-offs at 0.09%.
  • 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 (YTD, annualized)

0.96%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.76%+13 bps YoY

Efficiency Ratio (YTD, annualized)

54.25%-174 bps YoY

Tier 1 Leverage Ratio

9.79%0 bps YoY

NIM

4.97%Q2 ’245.18%Q2 ’255.29%Q2 ’26+8%+5%

Non-interest income vs. expense

1.53%Q2 ’241.60%Q2 ’251.61%Q2 ’26+7%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.87%0.92%0.89%0.86%0.87%0.93%0.96%+6 bps
Return on Equity15.46%15.48%17.48%18.43%17.99%17.73%17.61%17.21%-122 bps
Net Interest Margin2.43%2.44%2.64%2.63%2.53%2.54%2.70%2.76%+13 bps
Efficiency Ratio58.04%57.66%55.31%55.99%56.89%56.60%56.26%54.25%-174 bps
Non-Interest Burden1.31%1.31%1.35%1.37%1.35%1.35%1.42%1.40%+2 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 / Loans0.62%0.46%-0.02%0.02%0.02%0.01%-0.01%0.09%+7 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