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Harpeth Bank & Trust
Franklin, TN · FDIC Certificate #6100 · Chartered 02/0
Total assets
$197.75M
Total deposits
$170.58M
Total equity
$25.14M
Net loans
$122.61M
Branches (offices)
2
Net income (YTD)
-$4.66M
Rank: #2,991 of 4,213 U.S. banks by assets · #91 of 109 in Tennessee. Assets changed 5.0% and deposits -1.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -5.11% |
| Return on equity | -55.33% |
| Net interest margin (YTD) | 2.39% |
| Equity to assets | 12.71% |
| Tier 1 leverage ratio | 15.18% |
| Uninsured deposits (share of deposits) | 20.0% |
| Noncurrent loans (share of loans) | 1.18% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 71.9% |
| Real estate loans (share of loans) | 89.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $110.28M | 89.9% | |
| Commercial & industrial | $13.47M | 11.0% | |
| Consumer / individual | $1.04M | 0.8% | |
| Construction & development | $24.99M | 20.4% | |
| Agricultural | $7.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $163.74M | $141.82M | -$2.01M | $15.51M |
| Jun 2023 | $235.95M | $209.30M | $1.50M | $20.11M |
| Jun 2024 | $271.41M | $248.46M | -$1.55M | $16.24M |
| Jun 2025 | $188.35M | $173.32M | -$5.27M | $8.79M |
| Jun 2026 | $197.75M | $170.58M | -$4.66M | $25.14M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $170.58M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $170.58M.
Similar-sized banks
Commerce Bank & Trust ($197.94M) · State Bank & Trust Co. ($197.60M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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