Bank of Hindman
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Data as of · sourced from FFIEC call reports. How we update
Bank of Hindman is an FDIC-insured commercial bank headquartered in Hindman, KY, established in 1903 (FDIC certificate 289), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $259.7M, down 1.1% from Q2 2025, the 67th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 15.95% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 289
- Headquarters
- Hindman, KY
- Established
- 1903
- Total assets, Q2 2026
- $259.7M
- Assets vs Q2 2025
- -1.1%
- CET1 ratio, Q2 2026
- 15.95%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 042105154
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Hindman call report
- Holding company
- COMMUNITY EXCHANGE BANCSHARES INC.
- Asset rank in state
- 67th of 120 in Kentucky
Bank of Hindman, based in Hindman, Kentucky, reported $260 million in assets at June 30, 2026, down 1.1% from a year earlier. It keeps 2.07 cents of net interest income on every dollar of earning assets, about half the median of 3.95 cents for the 2,660 banks with $100 million to $1 billion in assets. It also earns about $0.50 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
Earnings jumped: net income for the quarter was $346,000, 83% above the same quarter a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.91% of loans from 1.98%. Where it has less room is capital: it funds 9.19% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Bank of Hindman reported a CET1 capital ratio of 15.95%, a return on assets of 0.50%, a nonperforming-loan ratio of 0.91% and a Texas ratio of 6.52%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, Bank of Hindman is the 67th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 3.1% to $259.7M, loans fell 1.8% and deposits fell 2.7%. Non-owner-occupied commercial real estate loans made up 30.3% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 29.3%. The FDIC Summary of Deposits lists 2 offices for it, in Hindman, KY. Judged on its Q2 2026 call report, Bank of Hindman meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1362 Hindman Byp, Hindman, KY 41822
- County
- Knott
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1903
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 31
- Domestic deposits
- $211.4M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $86K
- Average total assets
- $275.7M
- Average total loans
- $119.9M
- Average interest-bearing deposits
- $175.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 289
- Fed RSSD
- 763211
- Website
- www.bankofhindman.com →
- Parent Holding Company
- COMMUNITY EXCHANGE BANCSHARES INC. (RSSD 3923306)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Hindman's total assets ranged from $254.3M (Q3 2023) to $268.1M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$259.7M total assets against $262.7M; $240.2M total liabilities against $245.7M.
$117.8M net loans and leases against $121.1M; $211.4M total deposits against $213.0M.
$112.6M securities against $113.0M; $15.8M cash and balances due against $13.6M.
$2.7M total interest income against $2.5M; $1.4M total interest expense against $1.4M.
$1.3M net interest income against $1.1M.
$124K total noninterest income against $126K; $1.0M total noninterest expense against $1.0M.
$38K provision for credit losses against $0.
$346K net income against $189K.
0.50% return on assets against 0.28%; 2.07% net interest margin against 1.72%.
15.95% CET1 capital ratio against 15.15%; 9.19% tier 1 leverage ratio against 9.11%.
Inside the full Bank of Hindman terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Hindman rankings
Its closest position to the top of a national ranking is 1,041 of 3,640, for Texas Ratio; its furthest is 3,242 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.18% (Q3 2024) to 0.50% (Q2 2026) and its net interest margin ran from 1.49% (Q3 2024) to 2.07% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.95% | 0.50% | 0.91% | 6.52% | 2.07% |
| Q1 2026 | 15.63% | 0.42% | 1.80% | 13.66% | 1.98% |
| Q4 2025 | 15.24% | 0.39% | 0.75% | 5.62% | 1.89% |
| Q3 2025 | 15.54% | 0.45% | 1.71% | 13.26% | 1.85% |
| Q2 2025 | 15.15% | 0.28% | 1.98% | 20.18% | 1.72% |
| Q1 2025 | 15.20% | 0.23% | 2.19% | 20.13% | 1.59% |
| Q4 2024 | 15.05% | 0.32% | 1.75% | 17.31% | 1.67% |
| Q3 2024 | 15.01% | 0.18% | 1.14% | 8.95% | 1.49% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Hindman (main office) | Hindman , KY | 41822 | $105.7M |
| Hindman Branch | Hindman , KY | 41822 | $105.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KY, rank 90 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Hindman
What are Bank of Hindman's total assets?
As of the Q2 2026 filing, Bank of Hindman reported total assets of $259.7 million in its FFIEC call report.
Where is Bank of Hindman headquartered?
It is headquartered in Hindman, KY, United States.
When was Bank of Hindman founded?
It was established in 1903, per the FDIC institution directory.
Is Bank of Hindman FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #289). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Hindman?
Bank of Hindman's primary federal regulator is the FDIC.
What is Bank of Hindman's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.95% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Hindman operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Hindman's Texas Ratio?
Its Texas Ratio is 6.52% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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