The Hardin County Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 24.19 percentage points higher than in Q1 2026, at 370.41%. Within Tennessee, The Hardin County Bank is 39th of 109 on return on assets, 1.35% as of Q2 2026, above the middle of the field. The Hardin County Bank reported 1.35% on return on assets for Q2 2026, 0.10 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.84% |
| Equity capital to assets | 9.48% |
| Tangible equity to tangible assets | 9.48% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.28% |
| Non-performing assets ratio | 0.45% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 4.36% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 370.41% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.35% |
| Return on equity | 14.57% |
| Net interest margin | 4.09% |
| Efficiency ratio | 56.69% |
| Yield on earning assets | 6.08% |
| Cost of funds | 1.94% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.49% |
| Core deposits to total deposits | 88.34% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.72% |
| Securities to assets | 10.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.59% | 1.28% | 3.75% | 1.18% | 0.06% |
| Q4 2023 | 10.24% | 0.83% | 3.75% | 0.95% | 0.74% |
| Q1 2024 | 10.43% | 1.59% | 3.72% | 1.07% | 0.00% |
| Q2 2024 | 10.73% | 1.12% | 3.82% | 1.08% | 0.49% |
| Q3 2024 | 10.93% | 0.97% | 4.09% | 0.68% | 1.34% |
| Q4 2024 | 10.26% | 0.91% | 4.00% | 0.22% | 0.09% |
| Q1 2025 | 10.30% | 1.02% | 3.78% | 0.62% | 0.04% |
| Q2 2025 | 10.53% | 1.10% | 3.85% | 0.53% | 0.06% |
| Q3 2025 | 10.83% | 1.38% | 4.14% | 0.52% | 0.02% |
| Q4 2025 | 10.57% | 0.81% | 4.15% | 0.32% | 0.00% |
| Q1 2026 | 10.57% | 1.21% | 3.89% | 0.30% | 0.02% |
| Q2 2026 | 10.84% | 1.35% | 4.09% | 0.28% | 0.02% |
The Hardin County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Hardin County Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)