HARDIN COUNTY SAVINGS BANK
HARDIN COUNTY SAVINGS BANK is an FDIC-insured commercial bank headquartered in ELDORA, IA, established in 1868. As of , 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 2.79%. CET1 capital ratio: 12.87%, well above regulatory minimums. NPL ratio: 1.15% · Texas Ratio: 12.56%. Operates 2 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Hardin County Savings Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 12.87% | 1.07% | 1.15% | 12.56% | 2.79% |
| 2025-09-30 | 12.95% | 0.98% | 1.25% | 14.35% | 2.65% |
| 2025-06-30 | 13.14% | 1.07% | 1.31% | 17.10% | 2.81% |
| 2025-03-31 | 13.60% | 1.12% | 1.37% | 14.90% | 2.72% |
| 2024-12-31 | 13.38% | 1.05% | 1.40% | 13.98% | 2.71% |
| 2024-09-30 | 14.01% | 0.85% | 1.49% | 13.64% | 2.47% |
| 2024-06-30 | 14.00% | 0.97% | 1.56% | 14.14% | 2.53% |
| 2024-03-31 | 13.57% | 1.36% | 1.93% | 17.14% | 2.60% |
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Frequently asked about HARDIN COUNTY SAVINGS BANK
What are Hardin County Savings Bank's total assets?
As of the Q4 2025 filing, Hardin County Savings Bank reported total assets of $401.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Hardin County Savings Bank headquartered?
Hardin County Savings Bank is headquartered in ELDORA, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Hardin County Savings Bank founded?
Hardin County Savings Bank was established in 1868, per the FDIC institution directory.
Is Hardin County Savings Bank FDIC-insured?
Yes. Hardin County Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #5817). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hardin County Savings Bank?
Hardin County Savings Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Hardin County Savings Bank's CET1 capital ratio?
Hardin County Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.87% in its most recent quarterly filing — above regulatory minimums.
How many branches does Hardin County Savings Bank operate?
Hardin County Savings Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Hardin County Savings Bank's Texas Ratio?
Hardin County Savings Bank's Texas Ratio is 12.56% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.