Hart County Bank and Trust Company: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Hart County Bank and Trust Company is a small community bank chartered in 1890, based in Munfordville, KY. Profitability is strong, 2.66% ROA, paired with 7.93% ROE and a 4.91% net interest margin. Hart County Bank and Trust Company's Q2 2026 balance sheet shows $24M in assets funded primarily by $16M in customer deposits. Regulatory capital is solid, 39.24% CET1 and 40.54% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.00%. The bank operates from a single office.
As of June 30, 2026, Hart County Bank and Trust Company reported a CET1 capital ratio of 39.24%, a return on assets of 2.66%, a nonperforming-loan ratio of 0.00%, a Texas ratio of 0.00%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 331 Main St, Munfordville, KY 42765
- County
- Hart
- 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 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 20, 1890
- Offices
- 1 domestic
- Employees (FTE)
- 6
- Domestic deposits
- $16.1M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $0
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10145
- Fed RSSD
- 456344
- Parent Holding Company
- HART BANCSHARES, INC. (RSSD 1118836)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Hart County Bank and Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Hart County Bank and Trust Company, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Hart County Bank and Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 39.24% | 2.66% | 0.00% | 0.00% | 4.91% |
| Q1 2026 | 38.60% | 2.45% | 0.00% | 0.00% | 4.71% |
| Q4 2025 | 37.29% | 2.43% | 0.00% | 0.00% | 5.08% |
| Q3 2025 | 38.21% | 2.13% | 0.00% | 0.00% | 4.40% |
| Q2 2025 | 40.92% | 1.92% | 0.00% | 0.00% | 4.10% |
| Q1 2025 | 38.65% | 2.08% | 0.00% | 0.00% | 3.98% |
| Q4 2024 | 41.20% | 1.09% | 0.00% | 0.00% | 4.12% |
| Q3 2024 | 40.04% | 1.00% | 0.00% | 0.00% | 4.34% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Hart County Bank and Trust Company (main office) | Munfordville , KY | 42765 | $16.1M |
Regulatory record
What the public regulatory sources show for Hart County Bank and Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in KY, rank 151 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Hart County Bank and Trust Company’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Hart County Bank and Trust Company with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Hart County Bank and Trust Company
What are Hart County Bank and Trust Company's total assets?
As of the Q2 2026 filing, Hart County Bank and Trust Company reported total assets of $24.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Hart County Bank and Trust Company headquartered?
Hart County Bank and Trust Company is headquartered in Munfordville, KY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Hart County Bank and Trust Company founded?
Hart County Bank and Trust Company was established in 1890, per the FDIC institution directory.
Is Hart County Bank and Trust Company FDIC-insured?
Yes. Hart County Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #10145). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hart County Bank and Trust Company?
Hart County Bank and Trust Company'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 Hart County Bank and Trust Company's CET1 capital ratio?
Hart County Bank and Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 39.24% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Hart County Bank and Trust Company operate?
Hart County Bank and Trust Company operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hart County Bank and Trust Company's Texas Ratio?
Hart County Bank and Trust Company's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Hart County Bank and Trust Company.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Hart County Bank and Trust Company, freeFree account