Hearthside Bank Corporation: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 21.85 percentage points lower than in Q1 2026, at 386.63%. Within Kentucky, Hearthside Bank Corporation is 95th of 119 on return on assets, 0.90% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Hearthside Bank Corporation sits 0.35 points lower, at 0.90% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.27% |
| Tier 1 risk-based capital ratio | 14.27% |
| Total risk-based capital ratio | 15.52% |
| Tier 1 leverage ratio | 10.07% |
| Equity capital to assets | 9.03% |
| Tangible equity to tangible assets | 9.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.32% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 2.50% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | 386.63% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.90% |
| Return on equity | 10.09% |
| Net interest margin | 3.92% |
| Efficiency ratio | 69.74% |
| Yield on earning assets | 5.78% |
| Cost of funds | 1.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.39% |
| Core deposits to total deposits | 85.90% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.98% |
| Securities to assets | 15.39% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.19% | 14.19% | 15.43% | 10.73% | 0.67% |
| Q4 2023 | 14.17% | 14.17% | 15.42% | 10.61% | 0.49% |
| Q1 2024 | 13.92% | 13.92% | 15.18% | 10.40% | 0.36% |
| Q2 2024 | 13.60% | 13.60% | 14.84% | 10.17% | 0.41% |
| Q3 2024 | 13.43% | 13.43% | 14.68% | 10.02% | 0.49% |
| Q4 2024 | 13.42% | 13.42% | 14.61% | 9.91% | 0.64% |
| Q1 2025 | 13.44% | 13.44% | 14.69% | 9.79% | 0.56% |
| Q2 2025 | 14.02% | 14.02% | 15.27% | 9.97% | 0.80% |
| Q3 2025 | 13.89% | 13.89% | 15.15% | 9.88% | 0.87% |
| Q4 2025 | 14.25% | 14.25% | 15.50% | 9.93% | 0.95% |
| Q1 2026 | 13.95% | 13.95% | 15.20% | 10.05% | 0.78% |
| Q2 2026 | 14.27% | 14.27% | 15.52% | 10.07% | 0.90% |
Hearthside Bank Corporation vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hearthside Bank Corporation, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Hearthside Bank Corporation profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31236) · FFIEC NIC profile (RSSD 902672)