Total Assets
$654M
Total balance-sheet footings
FDIC Cert #20993 · Savannah, Tennessee · Est. 1973
The Hardin County Bank - FDIC Bank Health Profile
A community-scale look at The Hardin County Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $654M
- Total assets
- B
- Health grade · Good
- 1.09%
- Return on assets
- 10.6%
- Tier 1 capital
Data updated July 2026
The verdict
The Hardin County Bank earns a PlainBankData health grade of B (76/100), with well-capitalized at 10.57% Tier 1, profitable at 1.09% ROA, 62% efficiency ratio.
- #1,457
- largest of 4,313 FDIC banks by assets
- 66th
- percentile by asset size, nationally
- 10.57%
- Tier 1 ratio - above the 10% well-capitalized line
- 49th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Hardin County Bank's 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Hardin County Bank's composite health score
Tier 1 Capital Ratio (10.57%) 28/40
Return on Assets (ROA) (1.09%) 20/25
Texas Ratio (1.54%) 20/20
Efficiency Ratio (62.17%) 8/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$583M
Customer-funded liabilities
Net Loans
$512M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Hardin County Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Hardin County Bank's score of 76/100 falls in the highlighted band.
The Hardin County Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Hardin County Bank's $654M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.57% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.57%
Texas Ratio
1.54%
Equity Capital
$60M
Profitability metrics
Return on Assets (ROA)
49th percentile nationally
1.09%
Return on Equity (ROE)
12.24%
Efficiency Ratio
62.17%
What the numbers say about The Hardin County Bank
The Hardin County Bank is an FDIC-insured institution (Certificate #20993) headquartered in Savannah, Tennessee, established in 1973. It holds $654M in total assets - 1,457th of 4,313 FDIC-insured banks, $583M in customer deposits, and $512M in net loans. Looking at capital strength, Tier 1 stands at 10.57%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.54%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (76/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Tennessee, The Hardin County Bank ranks 45th of 111 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$38M
Interest Income
$3M
Non-Interest Income
$17M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Hardin County Bank reports a Texas Ratio of 1.54% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.54% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Tennessee by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Hardin County Bank (FDIC Cert #20993) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First Horizon BankMemphis | $83.6B | B | 1.35% |
| Pinnacle BankNashville | $57.6B | A | 1.25% |
| FirstBankNashville | $16.3B | B | 0.89% |
| Wilson Bank and TrustLebanon | $5.9B | A | 1.38% |
| SmartBankPigeon Forge | $5.9B | B | 1.00% |
| SouthEast BankFarragut | $3.5B | C | 0.68% |
| Home Federal Bank of TennesseeKnoxville | $2.7B | C | 0.21% |
| Builtwell BankChattanooga | $2.3B | A | 2.07% |
Frequently asked questions
What is The Hardin County Bank's health grade?▼
The Hardin County Bank receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The Hardin County Bank?▼
The Hardin County Bank holds $654M in total assets and $583M in deposits, ranking 1,457th of 4,313 FDIC-insured banks by asset size. It is headquartered in Savannah, Tennessee.
Is my money safe at The Hardin County Bank?▼
Yes, deposits at The Hardin County Bank (Certificate #20993) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Hardin County Bank's Tier 1 Capital Ratio?▼
The Hardin County Bank has a Tier 1 Capital Ratio of 10.57%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Hardin County Bank?▼
The Hardin County Bank has a Texas Ratio of 1.54%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Hardin County Bank?▼
The Hardin County Bank has an Efficiency Ratio of 62.17%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Hardin County Bank's profile as a depositor or analyst.
- The Hardin County Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Hardin County Bank against other Tennessee banks before moving funds. Tennessee banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.