The First National Bank of Hartford
Total assets
$173.0M
▲ +7.0% YoY
Deposits
$152.3M
▲ +6.1% YoY
Loans
$94.6M
▲ +6.9% YoY
Offices
3
FIRST HARTFORD BANCSHARES INC
ROA (annualized)
1.43%
peers 1.24%
ROE (annualized)
12.71%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +4.4% | +2.7 pts |
| Deposit growth (YoY) | +6.1% | +4.0% | +2.1 pts |
| Loan growth (YoY) | +6.9% | +5.6% | +1.3 pts |
| ROA | 1.43% | 1.24% | +0.2 pts |
| ROE | 12.7% | 11.9% | +0.8 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
Profile
- Established
- 1905
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- FIRST HARTFORD BANCSHARES INC
- Specialization
- All Other Under 1 Billion
- Address
- 101 S 3rd Ave, Hartford, AL, 36344
- County
- Geneva
- Metro area
- Dothan, AL
- Offices
- 3
- FDIC cert #
- 2804
- RSSD ID
- 112332
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $173.0M | $152.3M | $94.6M | $19.4M | $1.2M | 1.43% | 4.73% | 1.15% |
| Q1 2026 | $173.9M | $153.4M | $96.0M | $19.5M | $714K | 1.67% | 4.65% | 1.22% |
| Q4 2025 | $168.7M | $148.6M | $93.3M | $19.0M | $2.2M | 1.34% | 4.67% | 1.18% |
| Q3 2025 | $165.3M | $145.8M | $91.4M | $18.2M | $1.4M | 1.15% | 4.62% | 1.10% |
| Q2 2025 | $161.7M | $143.6M | $88.5M | $17.0M | $898K | 1.12% | 4.52% | 1.49% |
| Q1 2025 | $160.9M | $143.4M | $87.3M | $16.6M | $465K | 1.17% | 4.36% | 1.32% |
| Q4 2024 | $156.7M | $140.0M | $87.3M | $15.5M | $1.5M | 0.99% | 4.23% | 1.47% |
| Q3 2024 | $156.9M | $139.2M | $85.9M | $16.5M | $830K | 0.74% | 4.19% | 1.00% |
Loan mix (Q2 2026): real estate $70.9M · commercial $7.3M · consumer $9.1M · securities $51.4M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 1.24% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 11.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.73% | 3.96% | 86th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.9% | 62.9% | 74th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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