BlastPoint's Banking Scorecard

The Hardin County Bank

$100M-$1B Specialty: Commercial TN FDIC cert 20993

Savannah, TN

5 branches across TN

2664 banks in the $100M-$1B peer group nationally 72 in TN

The Hardin County Bank shows strong momentum with 2 strengths and 7.9% YoY asset growth

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

+ Efficiency Ratio 6.36% below tier average
+ Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$677.8M +7.9% YoY +3.7% QoQ	+$291.7M	$386.1M +0.5% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	Top 13.7% in tier
Total Loans ?	$494.6M +0.5% YoY -3.4% QoQ	+$238.8M	$255.7M +1.1% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	Top 11.6% in tier
Total Deposits ?	$604.0M +7.7% YoY +3.6% QoQ	+$276.1M	$328.0M +0.1% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	Top 12.2% in tier
Return on Assets ?	1.22% +18.0% YoY +11.9% QoQ	-0.05%	1.27% +12.9% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	51%
Net Interest Margin ?	3.97% +2.1% YoY -3.0% QoQ	+0.04%	3.93% +6.0% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	56%
Efficiency Ratio ?	58.93% -7.5% YoY -5.2% QoQ	-6.36%	65.29% -4.5% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	63%
Delinquency Rate ?	0.18% -62.8% YoY -8.6% QoQ	-0.71%	0.89% +18.8% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	66%
Loan-to-Deposit Ratio ?	81.88% -6.7% YoY -6.8% QoQ	+5.24%	76.64% +0.8% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	42%
Non-Interest-Bearing Deposit Share ?	30.18% +15.4% YoY +5.9% QoQ	+8.16%	22.02% -1.0% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	82%
Nonperforming Asset Ratio ?	0.36% -42.2% YoY -8.0% QoQ	-0.28%	0.64% +19.7% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	45%
Tier 1 Capital Ratio ?	10.57% +2.7% YoY +0.0% QoQ	-5.26%	15.83% +1.5% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	17%
Non-Interest Income / Assets ?	0.16% +1.7% YoY -63.9% QoQ	-0.12%	0.28% +9.3% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	76%

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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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

310

Total Loans

size

Value: $494.56M

Peer Median: $255.72M

#310 of 2664 Top 11.6% in $100M-$1B

325

Total Deposits

size

Value: $604.02M

Peer Median: $327.97M

#325 of 2664 Top 12.2% in $100M-$1B

366

Total Assets

size

Value: $677.81M

Peer Median: $386.08M

#366 of 2664 Top 13.7% in $100M-$1B

469

Non-Interest-Bearing Deposit Share

funding

Value: 30.18%

Peer Median: 22.02%

#469 of 2664 Top 17.6% in $100M-$1B

649

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#649 of 2664 Top 24.3% in $100M-$1B

Top Weaknesses (1 metrics)

2202

Tier 1 Capital Ratio

capital

Value: 10.57%

Peer Median: 15.83%

#2202 of 2664 Bottom 17.4% in $100M-$1B