BlastPoint's Banking Scorecard
The Hardin County Bank
Savannah, TN
5 branches across TN
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
- Deposits +6.1% year over year ($600.3M on the books).
- Delinquency rate 0.17%.
- Return on assets 1.29%.
- Efficiency ratio 57.93% vs a 64.48% peer average.
- Loan-to-deposit ratio 85.58% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Hardin County Bank shows strong momentum with 3 strengths and 6.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.09% above tier average
- + Efficiency Ratio 6.55% below tier average
- + Delinquency Rate 0.75% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$676.7M
+6.6% YoY
-0.2% QoQ
|
+$290.1M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
Top 13.8% in tier |
| Total Loans ? |
$513.8M
+3.3% YoY
+3.9% QoQ
|
+$255.4M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
Top 10.3% in tier |
| Total Deposits ? |
$600.3M
+6.1% YoY
-0.6% QoQ
|
+$273.6M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
Top 12.3% in tier |
| Return on Assets ? |
1.29%
+19.7% YoY
+5.6% QoQ
|
-0.03% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
53% |
| Net Interest Margin ? |
4.08%
+3.0% YoY
+2.6% QoQ
|
+0.09% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
58% |
| Efficiency Ratio ? |
57.93%
-7.5% YoY
-1.7% QoQ
|
-6.55% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
64% |
| Delinquency Rate ? |
0.17%
-58.3% YoY
-6.6% QoQ
|
-0.75% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
85.58%
-2.6% YoY
+4.5% QoQ
|
+7.63% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
32.82%
+22.9% YoY
+8.8% QoQ
|
+10.79% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Top 13.0% in tier |
| Nonperforming Asset Ratio ? |
0.36%
-36.2% YoY
-0.9% QoQ
|
-0.31% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
10.84%
+2.9% YoY
+2.5% QoQ
|
-5.07% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.32%
+9.0% YoY
+102.9% QoQ
|
-0.25% |
0.57%
+7.6% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
75% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
32.8%
+6.1pp YoY +2.6pp QoQ |
+10.7pp | 22.1% | 18.8% | 22.2% | 87% |
| Brokered Deposits |
0.0%
-6.5pp YoY 0.0pp QoQ |
-7.9pp | 7.9% | 9.4% | 8.5% | 2% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
33.7%
-0.5pp YoY +1.6pp QoQ |
+22.1pp | 11.6% | 10.9% | 12.5% | 97% |
| CRE |
35.9%
-1.9pp YoY -1.9pp QoQ |
-3.6pp | 39.5% | 42.4% | 41.4% | 45% |
| 1-4 Family |
23.4%
+1.4pp YoY -0.5pp QoQ |
-9.2pp | 32.6% | 39.8% | 31.3% | 38% |
| Consumer |
3.6%
+0.1pp YoY +0.3pp QoQ |
-0.5pp | 4.1% | 4.5% | 5.0% | 67% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 14.8% | 19.7% | n/a |
| Leverage Ratio |
10.8%
+0.3pp YoY +0.3pp QoQ |
-1.3pp | 12.2% | 11.4% | 12.6% | 47% |
| Total Capital Ratio | n/a | n/a | 19.9% | 15.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
103
+4 (+4.0%) YoY +4 (+4.0%) QoQ |
+44 | 58 | 270 | 482 | 88% |
| Assets per Employee ($) |
$6.6M
+2.5% YoY -4.0% QoQ |
-$949K | $7.5M | $7.1M | $8.8M | 44% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 17 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.2pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 0.7% | 1.0% | 27% |
| Allowance Coverage |
6.40x
+169.4% YoY +7.1% QoQ |
-17.75x | 24.15x | 28.97x | 20.23x | 75% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 50% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.0%
+1.6pp YoY +0.6pp QoQ |
+1.8pp | 12.2% | 10.9% | 11.6% | 62% |
| Cost of Funds (YTD) |
2.1%
-0.2pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 2.0% | 1.7% | 75% |
| Net Income ($, YTD) |
$4.3M
+27.2% YoY — QoQ |
+$1.8M | $2.6M | $16.7M | $40.4M | 83% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.