Hart County Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Hart County Bank and Trust Company is an FDIC-insured commercial bank headquartered in Munfordville, KY, established in 1890 (FDIC certificate 10145), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $24.1M, down 1.9% from Q2 2025, the 120th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 39.24% 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
- 10145
- Headquarters
- Munfordville, KY
- Established
- 1890
- Total assets, Q2 2026
- $24.1M
- Assets vs Q2 2025
- -1.9%
- CET1 ratio, Q2 2026
- 39.24%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 083905656
- Latest call report
- Q2 2026, FFIEC 051 · Hart County Bank and Trust Company call report
- Holding company
- HART BANCSHARES, INC.
- Asset rank in state
- 120th of 120 in Kentucky
Hart County Bank and Trust Company runs leaner than most banks of its size. Its balance sheet stood at $24 million at June 30, 2026, down 1.9% from a year earlier; it is based in Munfordville, Kentucky. It spends about 46 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 69 cents). It also pays an average of 0.52% on its deposits and borrowings, about a third the median of 1.53% for banks its size.
Net income for the quarter rose 29% from a year earlier, to $154,000. Over the same year, loans grew 15.9% and deposits shrank 3.0%.
As of June 30, 2026, Hart County Bank and Trust Company reported a CET1 capital ratio of 39.24%, a return on assets of 2.66%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, Hart County Bank and Trust Company is the smallest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.6% to $24.1M, loans rose 4.4% and deposits were flat. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 52.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 32.9%. Its one office in the FDIC Summary of Deposits is in Munfordville, KY. By the capital ratios in its Q2 2026 call report, Hart County Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 331 Main St, Munfordville, KY 42765
- County
- Hart
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 20, 1890
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 6
- Domestic deposits
- $16.1M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $23.2M
- Average total loans
- $19.2M
- Average interest-bearing deposits
- $9.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10145
- Fed RSSD
- 456344
- Parent Holding Company
- HART BANCSHARES, INC. (RSSD 1118836)
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
Hart County Bank and Trust Company's total assets moved between a low of $23.4M (Q4 2025) and a high of $27.7M (Q3 2023) from Q3 2023 to Q2 2026, 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
$24.1M total assets against $24.6M; $16.2M total liabilities against $17.1M.
$18.2M net loans and leases against $15.5M; $16.1M total deposits against $16.6M.
$982K securities against $1.4M; $4.6M cash and balances due against $7.3M.
$306K total interest income against $271K; $21K total interest expense against $17K.
$285K net interest income against $254K.
$0 total noninterest income against $8K; $131K total noninterest expense against $143K.
$0 provision for credit losses against $0.
$154K net income against $119K.
2.66% return on assets against 1.92%; 4.91% net interest margin against 4.10%.
39.24% CET1 capital ratio against 40.92%; 34.31% tier 1 leverage ratio against 30.53%.
Inside the full Hart County Bank and Trust Company 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Hart County Bank and Trust Company rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.00% (Q3 2024) to 2.66% (Q2 2026) and its net interest margin ran from 3.98% (Q1 2025) to 5.08% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 39.24% | 2.66% | 0.00% | 0.00% | 4.91% |
| Q1 2026 | 38.60% | 2.45% | 0.00% | 0.00% | 4.71% |
| Q4 2025 | 37.29% | 2.43% | 0.00% | 0.00% | 5.08% |
| Q3 2025 | 38.21% | 2.13% | 0.00% | 0.00% | 4.40% |
| Q2 2025 | 40.92% | 1.92% | 0.00% | 0.00% | 4.10% |
| Q1 2025 | 38.65% | 2.08% | 0.00% | 0.00% | 3.98% |
| Q4 2024 | 41.20% | 1.09% | 0.00% | 0.00% | 4.12% |
| Q3 2024 | 40.04% | 1.00% | 0.00% | 0.00% | 4.34% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Hart County Bank and Trust Company (main office) | Munfordville , KY | 42765 | $16.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KY, rank 151 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $225K approved, $225K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (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 Hart County Bank and Trust Company
What are Hart County Bank and Trust Company's total assets?
As of the Q2 2026 filing, Hart County Bank and Trust Company reported total assets of $24.1 million in its FFIEC call report.
Where is Hart County Bank and Trust Company headquartered?
It is headquartered in Munfordville, KY, United States.
When was Hart County Bank and Trust Company founded?
It was established in 1890, per the FDIC institution directory.
Is Hart County Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10145). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hart County Bank and Trust Company?
Hart County Bank and Trust Company's primary federal regulator is the FDIC.
What is Hart County Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 39.24% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Hart County Bank and Trust Company operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hart County Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 0.00% 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.
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