Hart County Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hart County Bank and Trust Company of Munfordville, KY against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 2.66% | 3.32% | -0.66% | 90th top |
| ROAE | 7.93% | 8.29% | -0.36% | 47th below |
| Net Interest Margin | 4.91% | 3.92% | +0.99% | 85th top |
| Efficiency Ratio | 45.96% | 84.53% | -38.57% | 92nd top |
| PPNR / Avg Assets | 2.66% | 1.56% | +1.10% | 92nd top |
| Yield on Earning Assets | 5.27% | 5.24% | +0.03% | 52nd above |
| Cost of Funds | 0.52% | 1.67% | -1.15% | 95th top |
| Net Interest Spread | 4.36% | 3.30% | +1.06% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.42% | -1.42% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 5.29% | 1.52% | +3.77% | 98th top |
| Texas Ratio | 0.00% | 8.57% | -8.57% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 39.24% | 127.01% | -87.77% | 72nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 39.24% | 127.02% | -87.78% | 72nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 40.54% | 127.91% | -87.37% | 73rd above |
| Leverage Ratio | 34.31% | 22.06% | +12.25% | 88th top |
| Equity / Assets | 32.97% | 20.71% | +12.26% | 88th top |
| TCE / Tangible Assets | 32.97% | 20.46% | +12.51% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 119.01% | 74.18% | +44.83% | 2nd bottom |
| Core Deposit Ratio | 95.66% | 88.29% | +7.37% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.89% | 3.83% | -5.72% | 22nd bottom |
| Loan Growth (Y/Y) | 15.89% | 6.83% | +9.06% | 88th top |
| Deposit Growth (Y/Y) | -2.98% | 2.99% | -5.97% | 21st bottom |
See Hart County Bank and Trust Company's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hart County Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Hart County Bank and Trust Company profile, how to read a UBPR, or how this data updates.