BlastPoint's Banking Scorecard
Hart County Bank and Trust Company
Micro
Specialty: Commercial
KY
FDIC cert 10145
Designations: ✓ Community bank
Munfordville, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Hart County Bank and Trust Company has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.06% above tier
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 20.64% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 28.44% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 39.95% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$23.4M
-5.7% YoY
-2.7% QoQ
|
-$194.1M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$17.9M
+14.3% YoY
+9.3% QoQ
|
-$121.3M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$15.6M
-7.2% YoY
-4.3% QoQ
|
-$168.0M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
2.14%
+68.4% YoY
+4.0% QoQ
|
+1.06% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.61%
+3.9% YoY
+4.7% QoQ
|
+0.76% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
52.27%
-10.3% YoY
-0.2% QoQ
|
-15.45% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
114.47%
+23.1% YoY
+14.2% QoQ
|
+39.95% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
43.03%
+9.4% YoY
+5.9% QoQ
|
+20.64% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
37.29%
-9.5% YoY
-2.4% QoQ
|
+28.44% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.15%
+6.1% YoY
+29.4% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (5)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.14%
(Tier avg: 1.08%, National avg: 1.12%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Micro
Why this stands out
Current:
43.03%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
37.29%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
114.47%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
98
98th pctile
Tier 1 Capital Ratio
Current: 37.29% · Tier avg: 8.85%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.03% · Tier avg: 22.39%
93
93th pctile
Return on Assets
Current: 2.14% · Tier avg: 1.08%
86
86th pctile
Efficiency Ratio
Current: 52.27% · Tier avg: 67.73%
82
82th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.85%
14
14th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
6
6th pctile
Total Loans
Current: $17.9M · Tier avg: $139.2M
2
2th pctile
Loan-to-Deposit Ratio
Current: 114.47% · Tier avg: 74.53%
2
2th pctile
Total Deposits
Current: $15.6M · Tier avg: $183.7M
2
2th pctile
Total Assets
Current: $23.4M · Tier avg: $217.5M
Top Weaknesses
2
2th pctile
Total Assets
Current: $23.4M · Tier avg: $217.5M
2
2th pctile
Total Deposits
Current: $15.6M · Tier avg: $183.7M
2
2th pctile
Loan-to-Deposit Ratio
Current: 114.47% · Tier avg: 74.53%
6
6th pctile
Total Loans
Current: $17.9M · Tier avg: $139.2M
14
14th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
82
82th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.85%
86
86th pctile
Efficiency Ratio
Current: 52.27% · Tier avg: 67.73%
93
93th pctile
Return on Assets
Current: 2.14% · Tier avg: 1.08%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.03% · Tier avg: 22.39%
98
98th pctile
Tier 1 Capital Ratio
Current: 37.29% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%