HART COUNTY BANK AND TRUST COMPANY

MUNFORDVILLE, KY | Micro | Est. Feb. 20, 1890, midnight | FDIC #10145 | RSSD #456344 | FDIC
Latest Report: 2025-12-31

HART COUNTY BANK AND TRUST COMPANY is amn micro FDIC-insured commercial bank headquartered in MUNFORDVILLE, KY, established in Feb. 20, 1890, midnight. As of 2025-12-31, the bank reported total assets of $23M and total deposits of $16M. Profitability stands at 2.40% ROA and 7.72% ROE, with a net interest margin of 5.30%. The bank's CET1 capital ratio is 37.29%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #10145.

Assets

$23M

Deposits

$16M

Loans

$19M

Equity

$7M

Profitability

Return on Assets (ROA) 2.40%
Return on Equity (ROE) 7.72%
Net Interest Margin (NIM) 5.30%
Yield on Assets 5.65%
Cost of Funds 0.85%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 5.36%

Capital & Liquidity

CET1 Ratio 37.29%
Tier 1 Capital 37.29%
Total Capital Ratio 38.59%
Leverage Ratio 31.75%
Loan-to-Deposit 120.96%

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