The Hardin County Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 8.73 percentage points lower than in Q1 2026, at 172.06%. The Hardin County Bank ranks 43rd of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 86.49% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Hardin County Bank sits 5.55 points higher, at 86.49% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $519.2M |
| Net loans and leases | $513.8M |
| Loans held for sale | $0 |
| Loans to total assets | 76.73% |
| Loan-to-deposit ratio | 86.49% |
| Net loans to equity capital | 8.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.68% |
| Multifamily (5+ residential) | 1.26% |
| Commercial and industrial | 33.31% |
| Consumer | 3.56% |
| Credit cards | 0.00% |
| Farm | 4.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 172.06% |
| Construction concentration (Tier 1 capital + allowance) | 89.32% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.81% |
| Interest income on loans | $8.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $485.5M | $529.9M | 26.36% | 34.36% | 3.96% |
| Q4 2023 | $473.9M | $524.7M | 26.68% | 32.96% | 3.89% |
| Q1 2024 | $476.6M | $552.1M | 25.22% | 33.98% | 3.76% |
| Q2 2024 | $483.1M | $529.9M | 23.71% | 33.73% | 3.89% |
| Q3 2024 | $501.5M | $540.7M | 22.23% | 35.53% | 3.66% |
| Q4 2024 | $504.2M | $562.8M | 23.70% | 34.07% | 3.53% |
| Q1 2025 | $496.3M | $560.9M | 24.89% | 33.66% | 3.36% |
| Q2 2025 | $502.0M | $565.9M | 23.86% | 33.82% | 3.42% |
| Q3 2025 | $509.9M | $568.8M | 22.85% | 32.91% | 3.53% |
| Q4 2025 | $517.1M | $582.8M | 23.32% | 30.99% | 3.24% |
| Q1 2026 | $499.8M | $604.0M | 21.96% | 31.71% | 3.24% |
| Q2 2026 | $519.2M | $600.3M | 20.68% | 33.31% | 3.56% |
The Hardin County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Hardin County Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Hardin County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20993) · FFIEC NIC profile (RSSD 526854)