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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Savannah, TN · FDIC certificate #20993
HARDIN COUNTY BANK is an FDIC-insured institution based in Savannah, TN (FDIC certificate #20993). In its Q3 2026 Call Report it reported total assets of $659M, total deposits of $582M and net loans of $525M. Its primary federal regulator is FED.
Plain-language readout
HARDIN COUNTY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $678M in Q1 2026 and were lowest at $659M in Q3 2026.
Total deposits were highest at $604M in Q1 2026 and lowest at $582M in Q3 2026.
Over the whole period total assets fell 2.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $659M | $582M | $525M | 1.39% | 14.89% | 4.18% |
| Q2 2026 | $677M | $600M | $514M | 1.29% | 13.98% | 4.08% |
| Q1 2026 | $678M | $604M | $495M | 1.22% | 13.43% | 3.97% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $41.5M | $61.0M | -$19.4M | -31.9% |
| Federal funds sold | $10.0M | $10.0M | $0K | 0.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $71.6M | $72.4M | -$786K | -1.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $513.8M | $494.6M | +$19.2M | +3.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $11.8M | $11.9M | -$165K | -1.4% |
| Other real estate owned | $1.6M | $1.6M | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $4.6M | $4.4M | +$207K | +4.7% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $21.8M | $22.0M | -$189K | -0.9% |
| Total assets | $676.7M | $677.8M | -$1.1M | -0.2% |
| Liabilities | ||||
| Total deposits | $600.3M | $604.0M | -$3.7M | -0.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $12.2M | $12.4M | -$205K | -1.7% |
| Total liabilities | $612.5M | $616.4M | -$3.9M | -0.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $14.5M | $14.5M | $0K | 0.0% |
| Retained earnings | $58.1M | $55.8M | +$2.3M | +4.1% |
| Accumulated other comprehensive income | -$9.4M | -$9.9M | +$462K | +4.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $64.1M | $61.4M | +$2.7M | +4.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.4M | $2.4M | -$26K | -1.1% |
| Adjusted nonperforming assets | $2.4M | $2.4M | -$26K | -1.1% |
| Tangible equity plus allowance | $69.6M | $66.7M | +$3.0M | +4.4% |
| Texas ratio (gross) | 3.46% | 3.66% | -0.19 pts | See points |
| Texas ratio (adjusted) | 3.46% | 3.66% | -0.19 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.36% | 4.62% | -0.26 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.84% | 10.57% | +0.26 pts | See points |
| Construction and land loans to total capital | 89.32% | 92.86% | -3.54 pts | See points |
| Commercial real estate to total capital | 172.06% | 180.78% | -8.73 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -17.57% | -19.02% | +1.45 pts | See points |
| Liquidity | ||||
| Core deposits | $530.4M | $528.0M | +$2.4M | +0.5% |
| Non-core funding | $70.0M | $76.1M | -$6.1M | -8.0% |
| Loans to core deposits | 97.91% | 94.67% | +3.23 pts | See points |
| Loans to deposits | 86.49% | 82.75% | +3.74 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | +0.00 pts | See points |
| Pledged securities share of securities | 57.51% | 57.16% | +0.35 pts | See points |
| Loans pledged, share of loans | 42.18% | 44.13% | -1.95 pts | See points |
| Volatile liabilities | $70.0M | $76.1M | -$6.1M | -8.0% |
| Earnings | ||||
| Earnings before provision, year to date | $6.3M | $3.0M | +$3.3M | +110.9% |
| Earnings before provision, single quarter | $3.3M | $3.0M | +$324K | +10.9% |
| Provision for credit losses, year to date | $450K | $225K | +$225K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.81% | 6.75% | +0.06 pts | See points |
| Yield on interest-bearing balances due from banks | 4.24% | 2.57% | +1.67 pts | See points |
| Total interest income to average assets | 5.77% | 5.61% | +0.16 pts | See points |
| Cost of interest-bearing transaction accounts | 2.02% | 2.00% | +0.02 pts | See points |
| Cost of savings and money market deposits | 0.80% | 0.84% | -0.05 pts | See points |
| Cost of time deposits | 3.79% | 3.89% | -0.10 pts | See points |
| Total interest expense to average assets | 1.90% | 1.95% | -0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $659M | $582M | $525M | 1.39% | 14.89% | 4.18% |
| 2026-06-30 | $677M | $600M | $514M | 1.29% | 13.98% | 4.08% |
| 2026-03-31 | $678M | $604M | $495M | 1.22% | 13.43% | 3.97% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TN | $565.9M | 0.24% | 63 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.