BlastPoint's Banking Scorecard
The Hardin County Bank
Community
Specialty: Commercial
TN
FDIC cert 20993
Savannah, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
The Hardin County Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 7% in Community
- - Credit Quality Pressure: Bottom 23% in Community
- - Capital Thin: Bottom 44% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$653.9M
+4.3% YoY
+1.9% QoQ
|
-$737.6M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$512.0M
+2.4% YoY
+1.4% QoQ
|
-$463.5M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$582.8M
+3.5% YoY
+2.5% QoQ
|
-$581.8M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
1.09%
-5.6% YoY
-7.9% QoQ
|
-0.07% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
4.10%
+2.3% YoY
+1.2% QoQ
|
+0.43% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
62.17%
+4.3% YoY
+3.2% QoQ
|
-0.46% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
50% |
| Delinquency Rate ? |
0.19%
+136.6% YoY
-50.2% QoQ
|
-0.43% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
87.86%
-1.1% YoY
-1.0% QoQ
|
+4.79% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
28.50%
+20.2% YoY
-0.4% QoQ
|
+7.45% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.39%
+22.0% YoY
-29.0% QoQ
|
-0.11% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.43%
-27.3% YoY
-2.6% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Risk Growth
risk
#45 of 642 · Bottom 7% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Credit Quality Pressure
risk
#189 of 808 · Bottom 23% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.19%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Capital Thin
risk
#189 of 432 · Bottom 44% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
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
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 28.50% · Tier avg: 21.05%
74
74th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.66%
70
70th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
50
50th pctile
Efficiency Ratio
Current: 62.17% · Tier avg: 62.63%
47
47th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.16%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.50%
41
41th pctile
Loan-to-Deposit Ratio
Current: 87.86% · Tier avg: 83.06%
40
40th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
33
33th pctile
Total Loans
Current: $512.0M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Total Deposits
Current: $582.8M · Tier avg: $1.2B
22
22th pctile
Total Assets
Current: $653.9M · Tier avg: $1.4B
Top Weaknesses
22
22th pctile
Total Assets
Current: $653.9M · Tier avg: $1.4B
26
26th pctile
Total Deposits
Current: $582.8M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
33
33th pctile
Total Loans
Current: $512.0M · Tier avg: $975.5M
40
40th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
41
41th pctile
Loan-to-Deposit Ratio
Current: 87.86% · Tier avg: 83.06%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.50%
47
47th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.16%
50
50th pctile
Efficiency Ratio
Current: 62.17% · Tier avg: 62.63%
70
70th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
74
74th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.66%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 28.50% · Tier avg: 21.05%