HARDIN COUNTY SAVINGS BANK

ELDORA, IA | Small | Est. Jan. 1, 1868, midnight | FDIC #5817 | RSSD #647245 | FDIC
Latest Report: 2025-12-31

HARDIN COUNTY SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in ELDORA, IA, established in Jan. 1, 1868, midnight. As of 2025-12-31, the bank reported total assets of $401M and total deposits of $324M. Profitability stands at 1.07% ROA and 21.69% ROE, with a net interest margin of 2.83%. The bank's CET1 capital ratio is 12.87%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.15% and a Texas Ratio of 12.56%. FDIC Certificate #5817.

Assets

$401M

Deposits

$324M

Loans

$253M

Equity

$21M

Profitability

Return on Assets (ROA) 1.07%
Return on Equity (ROE) 21.69%
Net Interest Margin (NIM) 2.83%
Yield on Assets 5.69%
Cost of Funds 2.80%

Asset Quality

NPL Ratio 1.15%
Net Charge-Off Ratio 0.01%
Texas Ratio 12.56%
NPA Ratio 0.72%
ACL / Loans 0.67%

Capital & Liquidity

CET1 Ratio 12.87%
Tier 1 Capital 12.87%
Total Capital Ratio 13.49%
Leverage Ratio 9.62%
Loan-to-Deposit 78.07%

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