Hearthside Bank Corporation
Operating from Middlesboro, KY, Hearthside Bank Corporation serves its local market as an FDIC-insured commercial bank, in the early years of the Federal Reserve System. The Q1 2026 balance sheet stands at $591M in assets, including $453M in loans. Earnings are mid-range — 0.78% ROA and a 3.81% net interest margin. Capital cushions are healthy: 13.95% CET1, 10.05% Tier 1 leverage. Asset quality is pristine — 0.30% NPLs and a 2.38% Texas Ratio. It operates 8 branches, primarily in Kentucky.
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
- Fed District
- 9
- Established
- January 1, 1920
- Branches
- 8 domestic
- Employees (FTE)
- 101
- FDIC Cert
- 31236
- Fed RSSD
- 902672
- Website
- www.hearthsidebank.com →
- Parent Holding Company
- HFB FINANCIAL CORPORATION (RSSD 3066977)
Capital & Liquidity
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Hearthside Bank Corporation rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Hearthside Bank Corporation
What are Hearthside Bank Corporation's total assets?
As of the Q1 2026 filing, Hearthside Bank Corporation reported total assets of $591.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Hearthside Bank Corporation headquartered?
Hearthside Bank Corporation is headquartered in MIDDLESBORO, KY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Hearthside Bank Corporation founded?
Hearthside Bank Corporation was established in 1920, per the FDIC institution directory.
Is Hearthside Bank Corporation FDIC-insured?
Yes. Hearthside Bank Corporation 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Hearthside Bank Corporation's CET1 capital ratio?
Hearthside Bank Corporation reported a Common Equity Tier 1 (CET1) capital ratio of 13.95% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Hearthside Bank Corporation operate?
Hearthside Bank Corporation operates 8 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Hearthside Bank Corporation's Texas Ratio?
Hearthside Bank Corporation's Texas Ratio is 2.38% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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