Hearthside Bank Corporation: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hearthside Bank Corporation of Middlesboro, KY against its peer group of 2672 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 | 0.90% | 1.34% | -0.44% | 28th below |
| ROAE | 10.09% | 13.32% | -3.23% | 36th below |
| Net Interest Margin | 3.92% | 3.93% | -0.01% | 49th below |
| Efficiency Ratio | 69.74% | 61.13% | +8.61% | 29th below |
| PPNR / Avg Assets | 1.29% | 1.68% | -0.39% | 33rd below |
| Yield on Earning Assets | 5.78% | 5.67% | +0.11% | 58th above |
| Cost of Funds | 1.99% | 1.88% | +0.11% | 37th below |
| Net Interest Spread | 3.44% | 3.32% | +0.12% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.32% | 0.94% | -0.62% | 56th above |
| NPA / Total Assets | 0.25% | 0.70% | -0.45% | 55th above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 89th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.24% | 1.28% | -0.04% | 55th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 386.63% | 1539.42% | -1152.79% | 66th above |
| Texas Ratio | 2.50% | 7.33% | -4.83% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.27% | 19.51% | -5.24% | 41st below |
| Tier 1 Ratio | 14.27% | 19.54% | -5.27% | 41st below |
| Total Capital Ratio | 15.52% | 20.63% | -5.11% | 43rd below |
| Leverage Ratio | 10.07% | 12.14% | -2.07% | 33rd below |
| Equity / Assets | 9.03% | 11.38% | -2.35% | 28th below |
| TCE / Tangible Assets | 9.03% | 11.09% | -2.06% | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.39% | 80.64% | +2.75% | 44th below |
| Core Deposit Ratio | 85.90% | 86.86% | -0.96% | 34th below |
| Wholesale Funding Ratio | 0.01% | 5.04% | -5.03% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.20% | 6.85% | +1.35% | 76th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.36% | 7.90% | -1.54% | 56th above |
| Deposit Growth (Y/Y) | 9.75% | 6.29% | +3.46% | 82nd top |
See Hearthside Bank Corporation's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hearthside Bank Corporation, 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 Hearthside Bank Corporation profile, how to read a UBPR, or how this data updates.