Hardin County Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Hardin County Savings Bank is an FDIC-insured commercial bank headquartered in Eldora, IA, established in 1868 (FDIC certificate 5817), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $402.3M, up 6.2% from Q2 2025, the 80th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 13.38% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5817
- Headquarters
- Eldora, IA
- Established
- 1868
- Total assets, Q2 2026
- $402.3M
- Assets vs Q2 2025
- +6.2%
- CET1 ratio, Q2 2026
- 13.38%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 073904117
- Latest call report
- Q2 2026, FFIEC 041 · Hardin County Savings Bank call report
- Holding company
- HARDIN COUNTY BANCORPORATION
- Asset rank in state
- 80th of 225 in Iowa
Hardin County Savings Bank is one of the more profitable banks of its size. Based in Eldora, Iowa, it had $402 million in assets at June 30, 2026, up 6.2% from a year earlier. It returns 21.2% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it pays an average of 2.69% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%). Much of that comes from cost control: it spends about 47 cents to bring in each dollar of revenue.
Paper losses on its bond portfolio are shrinking: unrealized losses of $19 million equal 48% of Tier 1 capital, down from 76% a year earlier. Loans are outrunning deposits: over the year loans rose 12.3% and deposits rose 0.9%. Credit is the area to watch: it carries problem assets equal to 12.8% of the capital and reserves that would absorb them, 4.9 times the median of 2.6% for banks its size.
As of June 30, 2026, Hardin County Savings Bank reported a CET1 capital ratio of 13.38%, a return on assets of 1.22%, a nonperforming-loan ratio of 1.25% and a Texas ratio of 12.81%. The figures come from its call report filed with the FFIEC.
Hardin County Savings Bank ranks as the 80th largest of the 225 banks based in Iowa, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.3% to $402.3M, loans fell 0.1% and deposits fell 3.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 31.4% of total loans, followed by construction and land development loans at 14.4%. Its 2 offices in the FDIC Summary of Deposits are in Eldora, IA and Union, IA; its Eldora office books 83% of its branch deposits. Judged on its Q2 2026 call report, Hardin County Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1202 Edgington Ave, Eldora, IA 50627
- County
- Hardin
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 041
- Established
- January 1, 1868
- Former names
- Hardin County Savings Bank of Eldora, Iowa (1940-1981)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $324.4M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $110K
- Average total assets
- $397.5M
- Average total loans
- $242.4M
- Average interest-bearing deposits
- $287.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5817
- Fed RSSD
- 647245
- Website
- www.hardincsb.com →
- Parent Holding Company
- HARDIN COUNTY BANCORPORATION (RSSD 1205240)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Hardin County Savings Bank's total assets ranged from $335.0M (Q3 2023) to $409.4M (Q3 2025), 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
$402.3M total assets against $378.9M; $377.8M total liabilities against $363.4M.
$247.9M net loans and leases against $220.9M; $324.4M total deposits against $321.7M.
$126.5M securities against $130.0M; $7.3M cash and balances due against $9.6M.
$5.3M total interest income against $4.9M; $2.5M total interest expense against $2.4M.
$2.8M net interest income against $2.5M.
$214K total noninterest income against $203K; $1.6M total noninterest expense against $1.5M.
$183K provision for credit losses against $136K.
$1.2M net income against $987K.
1.22% return on assets against 1.09%; 3.35% net interest margin against 3.31%.
13.38% CET1 capital ratio against 13.14%; 9.79% tier 1 leverage ratio against 9.79%.
Inside the full Hardin County Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Hardin County Savings Bank rankings
Its closest position to the top of a national ranking is 423 of 3,640, for Texas Ratio; its furthest is 1,285 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.87% (Q3 2024) to 1.22% (Q2 2026) and its net interest margin ran from 2.88% (Q3 2024) to 3.35% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.38% | 1.22% | 1.25% | 12.81% | 3.35% |
| Q1 2026 | 13.30% | 1.16% | 1.31% | 14.20% | 3.20% |
| Q4 2025 | 12.87% | 1.12% | 1.15% | 12.56% | 3.20% |
| Q3 2025 | 12.95% | 1.01% | 1.25% | 14.35% | 3.10% |
| Q2 2025 | 13.14% | 1.09% | 1.31% | 17.10% | 3.31% |
| Q1 2025 | 13.60% | 1.14% | 1.37% | 14.90% | 3.25% |
| Q4 2024 | 13.38% | 1.06% | 1.40% | 13.98% | 3.19% |
| Q3 2024 | 14.01% | 0.87% | 1.49% | 13.64% | 2.88% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Hardin County Savings Bank (main office) | Eldora , IA | 50627 | $268.6M |
| Union Main Branch | Union , IA | 50258 | $55.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 1982 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1982 | Structure Change | Acquired Union-Whitten State Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IA, rank 91 of 261 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 2009 (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 Hardin County Savings Bank
What are Hardin County Savings Bank's total assets?
As of the Q2 2026 filing, Hardin County Savings Bank reported total assets of $402.3 million in its FFIEC call report.
Where is Hardin County Savings Bank headquartered?
It is headquartered in Eldora, IA, United States.
When was Hardin County Savings Bank founded?
It was established in 1868, per the FDIC institution directory.
Is Hardin County Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5817). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hardin County Savings Bank?
Hardin County Savings Bank's primary federal regulator is the FDIC.
What is Hardin County Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.38% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Hardin County Savings Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hardin County Savings Bank's Texas Ratio?
Its Texas Ratio is 12.81% 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 Hardin County Savings Bank previously called?
The charter now named Hardin County Savings Bank has also operated as Hardin County Savings Bank of Eldora, Iowa (1940-1981), per FDIC structure-change records.
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