Hardin County Savings 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: 4.50 percentage points higher than in Q1 2026, at 59.60%. Hardin County Savings Bank ranks 142nd of 225 Iowa banks on return on assets, in the lower half at 1.22% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets; Hardin County Savings Bank reported 1.22% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.38% |
| Tier 1 risk-based capital ratio | 13.38% |
| Total risk-based capital ratio | 14.06% |
| Tier 1 leverage ratio | 9.79% |
| Equity capital to assets | 6.09% |
| Tangible equity to tangible assets | 6.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.25% |
| Non-performing assets ratio | 0.84% |
| Net charge-off ratio | 0.19% |
| Texas ratio | 12.81% |
| Allowance for credit losses to loans | 0.75% |
| Reserve coverage of non-performing loans | 59.60% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.22% |
| Return on equity | 21.17% |
| Net interest margin | 3.35% |
| Efficiency ratio | 47.12% |
| Yield on earning assets | 6.02% |
| Cost of funds | 2.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.98% |
| Core deposits to total deposits | 62.71% |
| Brokered deposits to total deposits | 27.05% |
| Deposits to assets | 80.65% |
| Securities to assets | 31.44% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.46% | 13.46% | 14.29% | 9.55% | 0.99% |
| Q4 2023 | 13.22% | 13.22% | 14.07% | 9.95% | 1.13% |
| Q1 2024 | 13.57% | 13.57% | 14.32% | 9.90% | 1.39% |
| Q2 2024 | 14.00% | 14.00% | 14.54% | 9.89% | 0.98% |
| Q3 2024 | 14.01% | 14.01% | 14.53% | 10.03% | 0.87% |
| Q4 2024 | 13.38% | 13.38% | 13.89% | 9.98% | 1.06% |
| Q1 2025 | 13.60% | 13.60% | 14.16% | 10.08% | 1.14% |
| Q2 2025 | 13.14% | 13.14% | 13.71% | 9.79% | 1.09% |
| Q3 2025 | 12.95% | 12.95% | 13.54% | 9.38% | 1.01% |
| Q4 2025 | 12.87% | 12.87% | 13.49% | 9.62% | 1.12% |
| Q1 2026 | 13.30% | 13.30% | 13.96% | 9.63% | 1.16% |
| Q2 2026 | 13.38% | 13.38% | 14.06% | 9.79% | 1.22% |
Hardin County Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hardin County Savings 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 Hardin County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5817) · FFIEC NIC profile (RSSD 647245)