The Hardin County Bank
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Data as of · sourced from FFIEC call reports. How we update
The Hardin County Bank is an FDIC-insured commercial bank headquartered in Savannah, TN, established in 1973 (FDIC certificate 20993), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $676.7M, up 6.6% from Q2 2025, the 44th largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.84% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 20993
- Headquarters
- Savannah, TN
- Established
- 1973
- Total assets, Q2 2026
- $676.7M
- Assets vs Q2 2025
- +6.6%
- Tier 1 leverage ratio, Q2 2026
- 10.84%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 084302300
- Latest call report
- Q2 2026, FFIEC 041 · The Hardin County Bank call report
- Holding company
- HARDIN COUNTY BANCSHARES, INC.
- Asset rank in state
- 44th of 109 in Tennessee
Little in The Hardin County Bank's latest call report stands out. Its balance sheet stood at $677 million at June 30, 2026, up 6.6% from a year earlier; it is based in Savannah, Tennessee. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Net income for the quarter rose 29% from a year earlier, to $2.3 million. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.16% of loans from 0.40%.
As of June 30, 2026, The Hardin County Bank reported a return on assets of 1.35%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 3.46%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Hardin County Bank is the 44th largest of the 109 banks headquartered in Tennessee. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.2% to $676.7M, loans rose 3.9% and deposits fell 0.6%. Commercial and industrial loans made up 33.3% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 23.1%. The FDIC Summary of Deposits lists 5 offices for it, in Savannah, TN, Counce, TN and Adamsville, TN; its Savannah 3 offices book 78% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Hardin County Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 235 Wayne Rd, Savannah, TN 38372
- County
- Hardin
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 12, 1973
- Former names
- The Hardin County Bank (1973)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 103
- Domestic deposits
- $600.3M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- $41K
- Average total assets
- $679.0M
- Average total loans
- $512.6M
- Average interest-bearing deposits
- $476.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 12, 1973
- FDIC Cert
- 20993
- Fed RSSD
- 526854
- Website
- www.hardincountybank.bank →
- Parent Holding Company
- HARDIN COUNTY BANCSHARES, INC. (RSSD 1097838)
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, The Hardin County Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Hardin County Bank's total assets moved between a low of $585.6M (Q4 2023) and a high of $677.8M (Q1 2026) from Q3 2023 to Q2 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
$676.7M total assets against $634.5M; $612.5M total liabilities against $578.4M.
$513.8M net loans and leases against $497.3M; $600.3M total deposits against $565.9M.
$71.6M securities against $61.3M; $51.5M cash and balances due against $35.6M.
$9.8M total interest income against $9.3M; $3.2M total interest expense against $3.4M.
$6.6M net interest income against $5.9M.
$1.1M total noninterest income against $880K; $4.4M total noninterest expense against $4.2M.
$225K provision for credit losses against $225K.
$2.3M net income against $1.8M.
1.35% return on assets against 1.10%; 4.09% net interest margin against 3.85%.
10.84% tier 1 leverage ratio against 10.53%.
Inside the full The Hardin County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Hardin County Bank rankings
Its closest position to the top of a national ranking is 1,398 of 4,196, for total assets; its furthest is 1,726 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.81% (Q4 2025) to 1.38% (Q3 2025) and its net interest margin ran from 3.78% (Q1 2025) to 4.15% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.84% | 1.35% | 0.16% | 3.46% | 4.09% |
| Q1 2026 | 10.57% | 1.21% | 0.18% | 3.66% | 3.89% |
| Q4 2025 | 10.57% | 0.81% | 0.19% | 3.93% | 4.15% |
| Q3 2025 | 10.83% | 1.38% | 0.39% | 5.44% | 4.14% |
| Q2 2025 | 10.53% | 1.10% | 0.40% | 5.82% | 3.85% |
| Q1 2025 | 10.30% | 1.02% | 0.47% | 6.57% | 3.78% |
| Q4 2024 | 10.26% | 0.91% | 0.08% | 3.52% | 4.00% |
| Q3 2024 | 10.93% | 0.97% | 0.53% | 4.41% | 4.09% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 Hardin County Bank | Savannah , TN | 38372 | $432.0M |
| Counce Branch | Counce , TN | 38326 | $84.3M |
| Adamsville Branch | Adamsville , TN | 38310 | $46.8M |
| Pickwick Street Branch | Savannah , TN | 38372 | $37.3M |
| Wayne Road Drive-Thru Branch | Savannah , TN | 38372 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in TN, rank 63 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $350K approved, $175K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 The Hardin County Bank
What are The Hardin County Bank's total assets?
As of the Q2 2026 filing, The Hardin County Bank reported total assets of $676.7 million in its FFIEC call report.
Where is The Hardin County Bank headquartered?
It is headquartered in Savannah, TN, United States.
When was The Hardin County Bank founded?
It was established in 1973, per the FDIC institution directory.
Is The Hardin County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20993). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Hardin County Bank?
The Hardin County Bank's primary federal regulator is the Federal Reserve.
How many branches does The Hardin County Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Hardin County Bank's Texas Ratio?
Its Texas Ratio is 3.46% 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.
What was The Hardin County Bank previously called?
The charter now named The Hardin County Bank has also operated as The Hardin County Bank (1973), per FDIC structure-change records.
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