BlastPoint's Banking Scorecard

Hart County Bank and Trust Company

under $100M Specialty: Commercial KY FDIC cert 10145

Designations: ✓ Community bank

Munfordville, KY

541 banks in the under $100M peer group nationally 14 in 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 1.61% above tier average
+ Efficiency Ratio 39.04% below tier average
+ Delinquency Rate 1.37% below tier average
+ Non-Interest-Bearing Deposit Share 19.56% above tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ Net Interest Margin 1.03% above tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 43.57% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$24.0M -5.9% YoY +2.7% QoQ	-$38.2M	$62.2M -0.6% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	Bottom 7.0% in tier
Total Loans ?	$17.4M +7.6% YoY -2.9% QoQ	-$16.9M	$34.2M -1.4% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	23%
Total Deposits ?	$16.1M -9.9% YoY +3.1% QoQ	-$35.6M	$51.7M -0.7% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	Bottom 6.7% in tier
Return on Assets ?	2.45% +16.6% YoY +14.3% QoQ	+1.61%	0.84% -2.3% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	Top 5.7% in tier
Net Interest Margin ?	4.89% +15.9% YoY +6.0% QoQ	+1.03%	3.86% +2.8% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	Top 12.9% in tier
Efficiency Ratio ?	49.30% -0.6% YoY -5.7% QoQ	-39.04%	88.34% +0.3% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	Top 8.9% in tier
Delinquency Rate ?	0.00%	-1.37%	1.37% +33.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	107.78% +19.5% YoY -5.8% QoQ	+43.57%	64.22% -0.7% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	Bottom 4.1% in tier
Non-Interest-Bearing Deposit Share ?	43.27% +6.4% YoY +0.6% QoQ	+19.56%	23.71% +0.3% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	Top 6.8% in tier
Nonperforming Asset Ratio ?	0.00%	-0.79%	0.79% +28.2% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	38.60% -0.1% YoY +3.5% QoQ	+11.92%	26.68% +2.0% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	Top 11.3% in tier
Non-Interest Income / Assets ?	0.07% +50.5% YoY -51.3% QoQ	-0.59%	0.67% +1.9% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	56%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Return on Assets

profitability

Value: 2.45%

Peer Median: 0.84%

#32 of 541 Top 5.7% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 43.27%

Peer Median: 23.71%

#38 of 541 Top 6.8% in under $100M

Efficiency Ratio

profitability

Value: 49.30%

Peer Median: 88.34%

#49 of 541 Top 8.9% in under $100M

Tier 1 Capital Ratio

capital

Value: 38.60%

Peer Median: 26.68%

#62 of 541 Top 11.3% in under $100M

Net Interest Margin

profitability

Value: 4.89%

Peer Median: 3.86%

#71 of 541 Top 12.9% in under $100M

Top Weaknesses (4 metrics)

520

Loan-to-Deposit Ratio

liquidity

Value: 107.78%

Peer Median: 64.22%

#520 of 541 Bottom 4.1% in under $100M

506

Total Deposits

size

Value: $16.11M

Peer Median: $51.74M

#506 of 541 Bottom 6.7% in under $100M

504

Total Assets

size

Value: $24.00M

Peer Median: $62.16M

#504 of 541 Bottom 7.0% in under $100M

416

Total Loans

size

Value: $17.36M

Peer Median: $34.25M

#416 of 541 Bottom 23.3% in under $100M