HARDIN COUNTY BANK, THE

SAVANNAH, TN | Medium | Est. March 12, 1973, midnight | FDIC #20993 | RSSD #526854 | FED
Latest Report: 2025-12-31

HARDIN COUNTY BANK, THE is amn medium FDIC-insured commercial bank headquartered in SAVANNAH, TN, established in March 12, 1973, midnight. As of 2025-12-31, the bank reported total assets of $654M and total deposits of $583M. Profitability stands at 0.82% ROA and 8.89% ROE, with a net interest margin of 4.30%. The bank's CET1 capital ratio is 9.16%. Asset quality metrics show a non-performing loan ratio of 0.19% and a Texas Ratio of 3.93%. FDIC Certificate #20993.

Assets

$654M

Deposits

$583M

Loans

$517M

Equity

$60M

Profitability

Return on Assets (ROA) 0.82%
Return on Equity (ROE) 8.89%
Net Interest Margin (NIM) 4.30%
Yield on Assets 6.53%
Cost of Funds 2.31%

Asset Quality

NPL Ratio 0.19%
Net Charge-Off Ratio 0.03%
Texas Ratio 3.93%
NPA Ratio 0.39%
ACL / Loans 0.98%

Capital & Liquidity

CET1 Ratio 9.16%
Tier 1 Capital 9.16%
Total Capital Ratio 9.62%
Leverage Ratio 10.57%
Loan-to-Deposit 88.72%

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