Hearthside Bank Corporation
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Data as of · sourced from FFIEC call reports. How we update
Hearthside Bank Corporation is an FDIC-insured commercial bank headquartered in Middlesboro, KY, established in 1920 (FDIC certificate 31236), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $608.9M, up 8.2% from Q2 2025, the 29th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 14.27% 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
- 31236
- Headquarters
- Middlesboro, KY
- Established
- 1920
- Total assets, Q2 2026
- $608.9M
- Assets vs Q2 2025
- +8.2%
- CET1 ratio, Q2 2026
- 14.27%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 242170426
- Holding company
- HFB FINANCIAL CORPORATION
- Asset rank in state
- 29th of 120 in Kentucky
Little in Hearthside Bank Corporation's latest call report stands out. Based in Middlesboro, Kentucky, it had $609 million in assets at June 30, 2026, up 8.2% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Net income for the quarter rose 19% from a year earlier, to $1.4 million. Over the same year, loans grew 6.4% and deposits grew 9.7%. One more trend to watch: problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.32% of loans, against 0.17% a year earlier.
As of June 30, 2026, Hearthside Bank Corporation reported a CET1 capital ratio of 14.27%, a return on assets of 0.90%, a nonperforming-loan ratio of 0.32% and a Texas ratio of 2.50%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, Hearthside Bank Corporation is the 29th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.0% to $608.9M, loans rose 0.8% and deposits rose 3.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 57.8% of total loans, followed by owner-occupied commercial real estate loans at 13.0%. The FDIC Summary of Deposits lists 8 offices for it, in 7 cities across 2 states; its Harlan 2 offices book 40% of its branch deposits. By the capital ratios in its Q2 2026 call report, Hearthside Bank Corporation meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1602 Cumberland Ave, Middlesboro, KY 40965
- County
- Bell
- Metro Area
- Middlesborough, KY
- 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 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1920
- Former names
- Home Federal Bank Corporation (2001-2021); Home Federal Bank, Federal Savings Bank (1990-2001); Home Federal Savings Bank (1985-1990)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 104
- Domestic deposits
- $547.9M
- Allowance for credit losses
- $5.7M
- Net charge-offs (YTD)
- -$26K
- Average total assets
- $603.1M
- Average total loans
- $456.7M
- Average interest-bearing deposits
- $448.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31236
- Fed RSSD
- 902672
- SEC CIK
- 892157 → filed by HFB FINANCIAL CORPORATION
- Website
- www.hearthsidebank.com →
- Parent Holding Company
- HFB FINANCIAL CORPORATION (RSSD 3066977)
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, Hearthside Bank Corporation's total assets ranged from $498.8M (Q3 2023) to $608.9M (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
$608.9M total assets against $562.8M; $554.0M total liabilities against $513.9M.
$451.3M net loans and leases against $424.5M; $547.9M total deposits against $499.2M.
$93.7M securities against $84.7M; $30.4M cash and balances due against $20.2M.
$8.2M total interest income against $7.5M; $2.7M total interest expense against $2.7M.
$5.5M net interest income against $4.8M.
$1.1M total noninterest income against $1.3M; $4.7M total noninterest expense against $4.5M.
$160K provision for credit losses against $145K.
$1.4M net income against $1.1M.
0.90% return on assets against 0.80%; 3.92% net interest margin against 3.56%.
14.27% CET1 capital ratio against 14.02%; 10.07% tier 1 leverage ratio against 9.97%.
Inside the full Hearthside Bank Corporation terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHearthside Bank Corporation rankings
Its closest position to the top of a national ranking is 1,535 of 4,196, for total assets; its furthest is 2,730 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.49% (Q3 2024) to 0.95% (Q4 2025) and its net interest margin ran from 3.13% (Q3 2024) to 3.92% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.27% | 0.90% | 0.32% | 2.50% | 3.92% |
| Q1 2026 | 13.95% | 0.78% | 0.30% | 2.38% | 3.81% |
| Q4 2025 | 14.25% | 0.95% | 0.27% | 2.01% | 3.63% |
| Q3 2025 | 13.89% | 0.87% | 0.25% | 1.94% | 3.64% |
| Q2 2025 | 14.02% | 0.80% | 0.17% | 1.44% | 3.56% |
| Q1 2025 | 13.44% | 0.56% | 0.20% | 1.73% | 3.35% |
| Q4 2024 | 13.42% | 0.64% | 0.26% | 2.25% | 3.32% |
| Q3 2024 | 13.43% | 0.49% | 0.23% | 1.94% | 3.13% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Village Center Branch | Harlan , KY | 40831 | $177.3M |
| Hearthside Bank Corporation (main office) | Middlesboro , KY | 40965 | $119.2M |
| New Tazewell Branch | New Tazewell , TN | 37825 | $96.1M |
| Harrogate Tn Branch | Harrogate , TN | 37752 | $45.6M |
| Jacksboro Branch | Jacksboro , TN | 37757 | $44.8M |
| Cumberland Avenue Branch | Harlan , KY | 40831 | $43.4M |
| Knoxville Branch | Knoxville , TN | 37934 | $12.2M |
| Pineville Branch | Pineville , KY | 40977 | $9.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in KY, rank 65 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 252 applications, 173 loans originated, $58.2M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $40K approved, $40K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Hearthside Bank Corporation
What are Hearthside Bank Corporation's total assets?
As of the Q2 2026 filing, Hearthside Bank Corporation reported total assets of $608.9 million in its FFIEC call report.
Where is Hearthside Bank Corporation headquartered?
It is headquartered in Middlesboro, KY, United States.
When was Hearthside Bank Corporation founded?
It was established in 1920, per the FDIC institution directory.
Is Hearthside Bank Corporation FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #31236). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hearthside Bank Corporation?
Hearthside Bank Corporation's primary federal regulator is the FDIC.
What is Hearthside Bank Corporation's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.27% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Hearthside Bank Corporation operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hearthside Bank Corporation's Texas Ratio?
Its Texas Ratio is 2.50% 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 Hearthside Bank Corporation previously called?
The charter now named Hearthside Bank Corporation has also operated as Home Federal Bank Corporation (2001-2021), Home Federal Bank, Federal Savings Bank (1990-2001), Home Federal Savings Bank (1985-1990), per FDIC structure-change records.
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