| Metric | The Hardin County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +4.9% | +1.7 pts |
| Deposit growth (YoY) | +6.1% | +4.3% | +1.8 pts |
| Loan growth (YoY) | +3.3% | +5.3% | -2.0 pts |
| ROA | 1.29% | 1.28% | +0.0 pts |
| ROE | 14.0% | 12.4% | +1.5 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $676.7M | $600.3M | $513.8M | $64.1M | $4.3M | 1.29% | 4.08% | 0.36% |
| Q1 2026 | $677.8M | $604.0M | $494.6M | $61.4M | $2.0M | 1.22% | 3.97% | 0.36% |
| Q4 2025 | $653.9M | $582.8M | $512.0M | $59.9M | $7.0M | 1.09% | 4.10% | 0.39% |
| Q3 2025 | $641.8M | $568.8M | $505.0M | $60.0M | $5.6M | 1.19% | 4.05% | 0.55% |
| Q2 2025 | $634.5M | $565.9M | $497.3M | $56.2M | $3.4M | 1.08% | 3.96% | 0.56% |
| Q1 2025 | $628.4M | $560.9M | $492.1M | $55.3M | $1.6M | 1.04% | 3.89% | 0.62% |
| Q4 2024 | $627.2M | $562.8M | $500.1M | $53.1M | $7.0M | 1.16% | 4.01% | 0.32% |
| Q3 2024 | $613.5M | $540.7M | $497.3M | $58.0M | $5.6M | 1.24% | 3.98% | 0.45% |
Loan mix (Q2 2026): real estate $326.4M · commercial $172.9M · consumer $18.5M · securities $71.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Hardin County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.28% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 12.4% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.9% | 61.2% | 40th |
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% |
| Ratio | The Hardin County Bank | 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% |
| Ratio | The Hardin County Bank | 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% |
| Ratio | The Hardin County Bank | 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% |
| Ratio | The Hardin County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.