Harpeth Bank & Trust: 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 Efficiency ratio: 78.92 percentage points lower than in Q1 2026, at 223.58%. On return on assets, Harpeth Bank & Trust is 1st from the bottom among 109 Tennessee banks, -4.90% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, Harpeth Bank & Trust reported -4.90% on return on assets in Q2 2026, 6.16 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.91% |
| Tier 1 risk-based capital ratio | 19.91% |
| Total risk-based capital ratio | 21.17% |
| Tier 1 leverage ratio | 15.18% |
| Equity capital to assets | 12.71% |
| Tangible equity to tangible assets | 12.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.18% |
| Non-performing assets ratio | 0.75% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.40% |
| Allowance for credit losses to loans | 1.76% |
| Reserve coverage of non-performing loans | 148.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -4.90% |
| Return on equity | -43.73% |
| Net interest margin | 2.43% |
| Efficiency ratio | 223.58% |
| Yield on earning assets | 5.29% |
| Cost of funds | 3.23% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.16% |
| Core deposits to total deposits | 55.72% |
| Brokered deposits to total deposits | 33.12% |
| Deposits to assets | 86.26% |
| Securities to assets | 16.04% |
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 | 15.70% | 15.70% | 16.54% | 10.57% | 1.32% |
| Q4 2023 | 15.08% | 15.08% | 15.95% | 9.70% | -6.38% |
| Q1 2024 | 16.66% | 16.66% | 17.53% | 7.37% | -1.00% |
| Q2 2024 | 16.48% | 16.48% | 17.29% | 7.77% | -1.09% |
| Q3 2024 | 16.97% | 16.97% | 17.70% | 8.37% | -2.00% |
| Q4 2024 | 15.02% | 15.02% | 15.92% | 8.38% | -4.58% |
| Q1 2025 | 12.16% | 12.16% | 13.14% | 7.23% | -6.99% |
| Q2 2025 | 10.44% | 10.44% | 11.46% | 6.79% | -3.25% |
| Q3 2025 | 9.59% | 9.59% | 10.61% | 6.63% | -2.96% |
| Q4 2025 | 8.88% | 8.88% | 9.95% | 6.39% | -2.65% |
| Q1 2026 | 17.31% | 17.31% | 18.50% | 12.88% | -5.27% |
| Q2 2026 | 19.91% | 19.91% | 21.17% | 15.18% | -4.90% |
Harpeth Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Harpeth Bank & Trust, 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 Harpeth Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6100) · FFIEC NIC profile (RSSD 321152)