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Hart County Bank and Trust Company

under $100M Specialty: Commercial KY FDIC cert 10145

Designations: ✓ Community bank

Munfordville, KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 536 banks in the under $100M peer group nationwide — 1 of 15 in KY.
  • Deposits -3.0% year over year ($16.1M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 2.51%.
  • Efficiency ratio 47.64% vs a 119.40% peer average.
  • Loan-to-deposit ratio 112.72% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 15 in KY
View under $100M leaderboard (KY) →

Hart County Bank and Trust Company has 6 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Return on Assets 1.51% above tier average
  • + Efficiency Ratio 71.76% below tier average
  • + Delinquency Rate 1.48% below tier average
  • + Non-Interest-Bearing Deposit Share 18.68% above tier average
  • + Nonperforming Asset Ratio 0.84% below tier average
  • + Net Interest Margin 1.09% above tier average

Key Concerns

Areas that may need attention

  • - Loan-to-Deposit Ratio 38.51% above tier average
Get updates when Hart County Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $24.1M
-1.9% YoY +0.6% QoQ
-$38.3M $62.4M
-0.0% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
Bottom 7.3% in tier
Total Loans ? $18.2M
+16.9% YoY +4.6% QoQ
-$16.7M $34.9M
-0.6% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
24%
Total Deposits ? $16.1M
-3.0% YoY +0.0% QoQ
-$35.5M $51.6M
-0.2% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
Bottom 6.7% in tier
Return on Assets ? 2.51%
+24.8% YoY +2.4% QoQ
+1.51% 1.00%
+3.5% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
Top 5.0% in tier
Net Interest Margin ? 5.00%
+17.2% YoY +2.3% QoQ
+1.09% 3.91%
+2.3% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
Top 12.5% in tier
Efficiency Ratio ? 47.64%
-8.6% YoY -3.4% QoQ
-71.76% 119.40%
+49.6% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
Top 6.7% in tier
Delinquency Rate ? 0.00% -1.48% 1.48%
+31.8% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 112.72%
+20.5% YoY +4.6% QoQ
+38.51% 74.21%
+12.6% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
Bottom 2.8% in tier
Non-Interest-Bearing Deposit Share ? 42.17%
+9.2% YoY -2.6% QoQ
+18.68% 23.49%
+0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
Top 7.3% in tier
Nonperforming Asset Ratio ? 0.00% -0.84% 0.84%
+23.0% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 39.24%
-4.1% YoY +1.6% QoQ
+12.11% 27.13%
+3.0% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
Top 11.8% in tier
Non-Interest Income / Assets ? 0.07%
-13.4% YoY -0.6% QoQ
-1.31% 1.38%
+6.3% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
26%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 42.2%
+3.5pp YoY
-1.1pp QoQ
 +17.5pp 24.6% 23.5% 22.2% 92%
Brokered Deposits n/a n/a 9.8% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 55.1%
-4.0pp YoY
-3.6pp QoQ
 +41.7pp 13.4% 8.6% 12.5% 99%
CRE n/a n/a 25.2% 37.1% 41.4% n/a
1-4 Family 0.8%
-0.3pp YoY
-0.1pp QoQ
 -34.2pp 35.0% 41.6% 31.3% 5%
Consumer 0.6%
0.0pp YoY
-0.1pp QoQ
 -7.1pp 7.7% 4.8% 5.0% 7%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 39.2%
-1.7pp YoY
+0.6pp QoQ
 +0.6pp 38.7% 20.2% 19.7% 79%
Leverage Ratio 34.3%
+3.8pp YoY
+2.3pp QoQ
 +16.6pp 17.7% 14.0% 12.6% 94%
Total Capital Ratio 40.5%
-1.7pp YoY
+0.6pp QoQ
 +0.9pp 39.7% 21.3% 20.8% 80%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 6
0 YoY
0 QoQ
 -6 12 105 482 13%
Assets per Employee ($) $4.0M
-1.9% YoY
+0.6% QoQ
 -$2.2M $6.2M $6.3M $8.8M 20%
Branch Count 1
0 YoY
0 QoQ
 -1 1 8 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 1.0% 0.3% 0.4% n/a
Nonaccrual n/a n/a 1.7% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 6.41x 7.45x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.2% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 7.8%
+1.2pp YoY
+0.1pp QoQ
 +1.4pp 6.4% 13.3% 11.6% 48%
Cost of Funds (YTD) 0.4%
+0.1pp YoY
0.0pp QoQ
 -1.1pp 1.4% 1.7% 1.7% 5%
Net Income ($, YTD) $299,000
+19.1% YoY
— QoQ
 -$19K $317,817 $5.1M $40.4M 52%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 536 peers in under $100M

Top Strengths (7 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 1.48%
#1 of 517 Top 0.1% in under $100M
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.84%
#1 of 536 Top 0.1% in under $100M
28
Return on Assets
profitability
Value: 2.51%
Peer Median: 1.00%
#28 of 536 Top 5.0% in under $100M
37
Efficiency Ratio
profitability
Value: 47.64%
Peer Median: 119.40%
#37 of 536 Top 6.7% in under $100M
40
Non-Interest-Bearing Deposit Share
funding
Value: 42.17%
Peer Median: 23.49%
#40 of 536 Top 7.3% in under $100M
64
Tier 1 Capital Ratio
capital
Value: 39.24%
Peer Median: 27.13%
#64 of 536 Top 11.8% in under $100M
68
Net Interest Margin
profitability
Value: 5.00%
Peer Median: 3.91%
#68 of 536 Top 12.5% in under $100M

Top Weaknesses (4 metrics)

522
Loan-to-Deposit Ratio
liquidity
Value: 112.72%
Peer Median: 74.21%
#522 of 536 Bottom 2.8% in under $100M
501
Total Deposits
size
Value: $16.11M
Peer Median: $51.62M
#501 of 536 Bottom 6.7% in under $100M
498
Total Assets
size
Value: $24.15M
Peer Median: $62.44M
#498 of 536 Bottom 7.3% in under $100M
407
Total Loans
size
Value: $18.16M
Peer Median: $34.89M
#407 of 536 Bottom 24.3% in under $100M
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