BlastPoint's Banking Scorecard
The First National Bank of Hartford
Micro
Specialty: Other
AL
FDIC cert 2804
Designations: ✓ Community bank
Hartford, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
The First National Bank of Hartford shows strong momentum with 1 strength and 7.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 1.65% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$168.7M
+7.7% YoY
+2.1% QoQ
|
-$48.8M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$93.3M
+6.9% YoY
+2.1% QoQ
|
-$45.9M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$148.6M
+6.1% YoY
+1.9% QoQ
|
-$35.1M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
1.34%
+36.1% YoY
+16.7% QoQ
|
+0.26% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
4.67%
+10.3% YoY
+1.1% QoQ
|
+0.82% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
74.87%
-7.8% YoY
-3.7% QoQ
|
+7.14% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
0.92%
-37.3% YoY
+10.0% QoQ
|
+0.28% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
62.81%
+0.7% YoY
+0.2% QoQ
|
-11.72% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
20.28%
-10.9% YoY
-3.6% QoQ
|
-2.12% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
1.18%
-19.6% YoY
+6.9% QoQ
|
+0.73% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
2.21%
-10.0% YoY
+36.1% QoQ
|
+1.65% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.21%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
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
98
98th pctile
Non-Interest Income / Assets
Current: 2.21% · Tier avg: 0.56%
84
84th pctile
Net Interest Margin
Current: 4.67% · Tier avg: 3.85%
67
67th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Total Deposits
Current: $148.6M · Tier avg: $183.7M
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.28% · Tier avg: 22.39%
43
43th pctile
Total Assets
Current: $168.7M · Tier avg: $217.5M
40
40th pctile
Total Loans
Current: $93.3M · Tier avg: $139.2M
30
30th pctile
Delinquency Rate
Current: 0.92% · Tier avg: 0.64%
29
29th pctile
Efficiency Ratio
Current: 74.87% · Tier avg: 67.73%
28
28th pctile
Loan-to-Deposit Ratio
Current: 62.81% · Tier avg: 74.53%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.18% · Tier avg: 0.45%
Top Weaknesses
16
16th pctile
Nonperforming Asset Ratio
Current: 1.18% · Tier avg: 0.45%
28
28th pctile
Loan-to-Deposit Ratio
Current: 62.81% · Tier avg: 74.53%
29
29th pctile
Efficiency Ratio
Current: 74.87% · Tier avg: 67.73%
30
30th pctile
Delinquency Rate
Current: 0.92% · Tier avg: 0.64%
40
40th pctile
Total Loans
Current: $93.3M · Tier avg: $139.2M
43
43th pctile
Total Assets
Current: $168.7M · Tier avg: $217.5M
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.28% · Tier avg: 22.39%
45
45th pctile
Total Deposits
Current: $148.6M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
67
67th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.08%
84
84th pctile
Net Interest Margin
Current: 4.67% · Tier avg: 3.85%
98
98th pctile
Non-Interest Income / Assets
Current: 2.21% · Tier avg: 0.56%