First National Bank of Hartford
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Hartford is an FDIC-insured commercial bank headquartered in Hartford, AL, established in 1905 (FDIC certificate 2804), and it is supervised by the OCC. At Q2 2026 it reported total assets of $173.0M, up 7.0% from Q2 2025, the 68th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.88% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2804
- Headquarters
- Hartford, AL
- Established
- 1905
- Total assets, Q2 2026
- $173.0M
- Assets vs Q2 2025
- +7.0%
- Tier 1 leverage ratio, Q2 2026
- 12.88%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 062101882
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Hartford call report
- Holding company
- FIRST HARTFORD BANCSHARES, INC.
- Asset rank in state
- 68th of 93 in Alabama
First National Bank of Hartford earns an unusually wide margin on its lending. Its balance sheet stood at $173 million at June 30, 2026, up 7.0% from a year earlier; it is based in Hartford, Alabama. It keeps 4.65 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it spends about 75 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Net income for the quarter rose 18% from a year earlier, to $511,000. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.19% of loans, down from 1.47% a year earlier. Credit is the area to watch: it carries problem assets equal to 10.0% of the capital and reserves that would absorb them, 3.8 times the median of 2.6% for banks its size.
As of June 30, 2026, First National Bank of Hartford reported a return on assets of 1.15%, a nonperforming-loan ratio of 1.19% and a Texas ratio of 10.02%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First National Bank of Hartford is the 68th largest of the 93 banks headquartered in Alabama. From Q1 2026 to Q2 2026, its total assets fell 0.5% to $173.0M, loans fell 1.4% and deposits fell 0.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 43.5% of total loans, followed by owner-occupied commercial real estate loans at 9.8%. Its 3 offices in the FDIC Summary of Deposits are in Hartford, AL, Enterprise, AL and Slocomb, AL; its Hartford office books 87% of its branch deposits. On its Q2 2026 call report, First National Bank of Hartford meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 S 3rd Ave, Hartford, AL 36344
- County
- Geneva
- Metro Area
- Dothan, AL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1905
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 58
- Domestic deposits
- $152.3M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $80K
- Average total assets
- $177.3M
- Average total loans
- $96.3M
- Average interest-bearing deposits
- $121.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2804
- Fed RSSD
- 112332
- Website
- www.fnbhartford.com →
- Parent Holding Company
- FIRST HARTFORD BANCSHARES, INC. (RSSD 1084052)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First National Bank of Hartford reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First National Bank of Hartford's total assets ranged from $142.7M (Q3 2023) to $173.9M (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
$173.0M total assets against $161.7M; $153.6M total liabilities against $144.6M.
$94.6M net loans and leases against $88.5M; $152.3M total deposits against $143.6M.
$51.4M securities against $49.1M; $7.7M cash and balances due against $5.1M.
$2.4M total interest income against $2.2M; $593K total interest expense against $550K.
$1.8M net interest income against $1.6M.
$791K total noninterest income against $864K; $2.0M total noninterest expense against $1.9M.
$75K provision for credit losses against $75K.
$511K net income against $433K.
1.15% return on assets against 1.03%; 4.65% net interest margin against 4.50%.
12.88% tier 1 leverage ratio against 12.56%.
Inside the full First National Bank of Hartford terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank of Hartford rankings
Its closest position to the top of a national ranking is 642 of 3,640, for Texas Ratio; its furthest is 3,073 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.03% (Q2 2025) to 1.84% (Q4 2025) and its net interest margin ran from 4.16% (Q4 2024) to 4.67% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.88% | 1.15% | 1.19% | 10.02% | 4.65% |
| Q1 2026 | 12.86% | 1.61% | 1.09% | 10.70% | 4.53% |
| Q4 2025 | 12.66% | 1.84% | 0.91% | 10.40% | 4.67% |
| Q3 2025 | 12.80% | 1.17% | 0.83% | 9.84% | 4.66% |
| Q2 2025 | 12.56% | 1.03% | 1.47% | 13.91% | 4.50% |
| Q1 2025 | 12.77% | 1.14% | 1.22% | 12.65% | 4.17% |
| Q4 2024 | 12.68% | 1.63% | 1.46% | 14.73% | 4.16% |
| Q3 2024 | 13.97% | 1.34% | 0.74% | 9.43% | 4.19% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| The First National Bank of Hartford | Hartford , AL | 36344 | $132.4M |
| First National Bank of Hartford Branch | Enterprise , AL | 36330 | $14.9M |
| Slocomb Branch | Slocomb , AL | 36375 | $5.0M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- March 6, 2012, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The First National Bank of Hartford
- Period: Most recent institution action March 6, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in AL, rank 91 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 First National Bank of Hartford
What are First National Bank of Hartford's total assets?
As of the Q2 2026 filing, First National Bank of Hartford reported total assets of $173.0 million in its FFIEC call report.
Where is First National Bank of Hartford headquartered?
It is headquartered in Hartford, AL, United States.
When was First National Bank of Hartford founded?
It was established in 1905, per the FDIC institution directory.
Is First National Bank of Hartford FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2804). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of Hartford?
First National Bank of Hartford's primary federal regulator is the OCC.
How many branches does First National Bank of Hartford 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 First National Bank of Hartford's Texas Ratio?
Its Texas Ratio is 10.02% 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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