FIRST NATIONAL BANK OF HARTFORD

HARTFORD, AL | Small | Est. Jan. 1, 1905, midnight | FDIC #2804 | RSSD #112332 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF HARTFORD is asn small FDIC-insured commercial bank headquartered in HARTFORD, AL, established in Jan. 1, 1905, midnight. As of 2025-12-31, the bank reported total assets of $169M and total deposits of $149M. Profitability stands at 1.90% ROA and 17.11% ROE, with a net interest margin of 4.48%. The bank's CET1 capital ratio is 10.80%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.91% and a Texas Ratio of 9.94%. FDIC Certificate #2804.

Assets

$169M

Deposits

$149M

Loans

$94M

Equity

$19M

Profitability

Return on Assets (ROA) 1.90%
Return on Equity (ROE) 17.11%
Net Interest Margin (NIM) 4.48%
Yield on Assets 5.95%
Cost of Funds 1.53%

Asset Quality

NPL Ratio 0.91%
Net Charge-Off Ratio 0.10%
Texas Ratio 9.94%
NPA Ratio 1.18%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 10.80%
Tier 1 Capital 10.80%
Total Capital Ratio 11.34%
Leverage Ratio 12.66%
Loan-to-Deposit 63.48%

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