The Hardin County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Hardin County Bank of Savannah, TN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.35% | 1.34% | +0.01% | 55th above |
| ROAE | 14.57% | 13.31% | +1.26% | 63rd above |
| Net Interest Margin | 4.09% | 3.93% | +0.16% | 58th above |
| Efficiency Ratio | 56.69% | 61.14% | -4.45% | 64th above |
| PPNR / Avg Assets | 1.94% | 1.68% | +0.26% | 70th above |
| Yield on Earning Assets | 6.08% | 5.67% | +0.41% | 72nd above |
| Cost of Funds | 1.94% | 1.88% | +0.06% | 41st below |
| Net Interest Spread | 2.96% | 3.32% | -0.36% | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.28% | 0.94% | -0.66% | 58th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.45% | 0.70% | -0.25% | 41st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 36th below |
| ACL / Total Loans | 1.05% | 1.28% | -0.23% | 32nd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 370.41% | 1539.51% | -1169.10% | 65th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.36% | 7.33% | -2.97% | 45th below |
| Provision / NCO | 1097.56% | 1395.79% | -298.23% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.84% | 12.14% | -1.30% | 47th below |
| Equity / Assets | 9.48% | 11.38% | -1.90% | 36th below |
| TCE / Tangible Assets | 9.48% | 11.09% | -1.61% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.49% | 80.63% | +5.86% | 36th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.34% | 86.86% | +1.48% | 45th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.64% | 6.85% | -0.21% | 67th above |
| Loan Growth (Y/Y) | 3.43% | 7.91% | -4.48% | 39th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.08% | 6.29% | -0.21% | 65th above |
See The Hardin County Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Hardin County Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Hardin County Bank profile, how to read a UBPR, or how this data updates.