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The First National Bank of Hartford

$100M-$1B Specialty: Other AL FDIC cert 2804

Hartford, AL

3 branches across AL

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 63 in AL.
  • Deposits +6.1% year over year ($152.3M on the books).
  • Delinquency rate 1.21%.
  • Return on assets 1.43%.
  • Efficiency ratio 72.92% vs a 64.48% peer average.
  • Loan-to-deposit ratio 62.12% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 63 in AL
View $100M-$1B leaderboard (AL) →

The First National Bank of Hartford has 3 strengths but faces 2 concerns

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

  • + Revenue Diversifier: Top 10.0% in tier
  • + ROA 0.10% above tier average
  • + Net Interest Margin 0.74% above tier average

Key Concerns

Areas that may need attention

  • - Efficiency Ratio 8.44% above tier average
  • - Delinquency Rate 0.29% above tier average
Get updates when The First National Bank of Hartford releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $173.0M
+7.0% YoY -0.5% QoQ
-$213.6M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
20%
Total Loans ? $94.6M
+6.9% YoY -1.4% QoQ
-$163.7M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
17%
Total Deposits ? $152.3M
+6.1% YoY -0.7% QoQ
-$174.4M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
22%
Return on Assets ? 1.43%
+26.8% YoY -14.5% QoQ
+0.10% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
61%
Net Interest Margin ? 4.73%
+4.6% YoY +1.7% QoQ
+0.74% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
Top 13.5% in tier
Efficiency Ratio ? 72.92%
-7.1% YoY +3.9% QoQ
+8.44% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
24%
Delinquency Rate ? 1.21%
-18.7% YoY +9.6% QoQ
+0.29% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
24%
Loan-to-Deposit Ratio ? 62.12%
+0.8% YoY -0.7% QoQ
-15.83% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
80%
Non-Interest-Bearing Deposit Share ? 21.00%
-1.3% YoY +2.6% QoQ
-1.03% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
50%
Nonperforming Asset Ratio ? 1.15%
-22.9% YoY -6.4% QoQ
+0.48% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
17%
Tier 1 Capital Ratio ? 12.88%
+2.5% YoY +0.1% QoQ
-3.03% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
46%
Non-Interest Income / Assets ? 1.02%
-11.3% YoY +82.7% QoQ
+0.45% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
Top 3.2% in tier

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 (AL) National Avg Tier Percentile
Noninterest-Bearing 21.0%
-0.3pp YoY
+0.5pp QoQ
 -1.1pp 22.1% 24.0% 22.2% 50%
Brokered Deposits 1.8%
+1.4pp YoY
-0.5pp QoQ
 -6.1pp 7.9% 5.5% 8.5% 27%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 7.7%
+1.3pp YoY
+0.1pp QoQ
 -3.8pp 11.6% 16.9% 12.5% 38%
CRE 25.6%
-0.7pp YoY
-0.9pp QoQ
 -13.9pp 39.5% 43.5% 41.4% 27%
1-4 Family 44.0%
-1.1pp YoY
-0.6pp QoQ
 +11.4pp 32.6% 30.6% 31.3% 76%
Consumer 9.7%
-1.4pp YoY
+0.6pp QoQ
 +5.6pp 4.1% 5.7% 5.0% 92%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 12.9%
+0.3pp YoY
0.0pp QoQ
 +0.7pp 12.2% 13.2% 12.6% 74%
Total Capital Ratio n/a n/a 19.9% 16.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 58
+2 (+3.6%) YoY
0 QoQ
 -1 58 304 482 61%
Assets per Employee ($) $3.0M
+3.3% YoY
-0.5% QoQ
 -$4.5M $7.5M $6.9M $8.8M 1%
Branch Count 3
0 YoY
0 QoQ
 -2 4 20 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days 0.2%
-0.3pp YoY
+0.1pp QoQ
 -0.1pp 0.3% 0.2% 0.4% 68%
Nonaccrual 1.0%
0.0pp YoY
0.0pp QoQ
 +0.1pp 0.9% 1.2% 1.0% 71%
Allowance Coverage 0.91x
+29.8% YoY
-6.2% QoQ
 -23.25x 24.15x 7.50x 20.23x 24%
Net Charge-off Rate (YTD) 0.2%
0.0pp YoY
+0.1pp QoQ
 0.0pp 0.1% 0.3% 0.2% 83%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 12.7%
+1.7pp YoY
-2.1pp QoQ
 +0.5pp 12.2% 10.0% 11.6% 54%
Cost of Funds (YTD) 1.6%
0.0pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.7% 1.7% 44%
Net Income ($, YTD) $1.2M
+36.4% YoY
— QoQ
 -$1.3M $2.6M $17.2M $40.4M 34%

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 (1)

Revenue Diversifier

growth
#67 of 661 • Top 10.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.02%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.43%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

86
Non-Interest Income / Assets
revenue_mix
Value: 1.02%
Peer Median: 0.57%
#86 of 2643 Top 3.2% in $100M-$1B
358
Net Interest Margin
profitability
Value: 4.73%
Peer Median: 3.99%
#358 of 2643 Top 13.5% in $100M-$1B
521
Loan-to-Deposit Ratio
liquidity
Value: 62.12%
Peer Median: 77.95%
#521 of 2643 Top 19.7% in $100M-$1B

Top Weaknesses (6 metrics)

2205
Total Loans
size
Value: $94.62M
Peer Median: $258.35M
#2205 of 2643 Bottom 16.6% in $100M-$1B
2188
Nonperforming Asset Ratio
credit_quality
Value: 1.15%
Peer Median: 0.67%
#2188 of 2643 Bottom 17.3% in $100M-$1B
2126
Total Assets
size
Value: $172.99M
Peer Median: $386.57M
#2126 of 2643 Bottom 19.6% in $100M-$1B
2060
Total Deposits
size
Value: $152.32M
Peer Median: $326.73M
#2060 of 2643 Bottom 22.1% in $100M-$1B
2004
Delinquency Rate
credit_quality
Value: 1.21%
Peer Median: 0.92%
#2004 of 2633 Bottom 23.9% in $100M-$1B
2007
Efficiency Ratio
profitability
Value: 72.92%
Peer Median: 64.48%
#2007 of 2643 Bottom 24.1% in $100M-$1B
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