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Hart County Bank And Trust Company
Munfordville, KY · FDIC Certificate #10145 · Chartered 02/2
Total assets
$24.15M
Total deposits
$16.11M
Total equity
$7.96M
Net loans
$18.16M
Branches (offices)
1
Net income (YTD)
$299.00K
Rank: #4,171 of 4,213 U.S. banks by assets · #120 of 120 in Kentucky. Assets changed -1.9% and deposits -3.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.51% |
| Return on equity | 7.81% |
| Net interest margin (YTD) | 5.00% |
| Equity to assets | 32.97% |
| Tier 1 leverage ratio | 34.31% |
| Uninsured deposits (share of deposits) | 10.3% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 112.7% |
| Real estate loans (share of loans) | 49.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $9.06M | 49.9% | |
| Commercial & industrial | $10.01M | 55.1% | |
| Consumer / individual | $103.00K | 0.6% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $5.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $32.25M | $24.89M | $188.00K | $7.35M |
| Jun 2023 | $27.45M | $19.89M | $183.00K | $7.39M |
| Jun 2024 | $25.70M | $17.89M | $195.00K | $7.54M |
| Jun 2025 | $24.61M | $16.61M | $251.00K | $7.55M |
| Jun 2026 | $24.15M | $16.11M | $299.00K | $7.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $16.11M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $16.11M.
Similar-sized banks
Boelus State Bank ($24.36M) · The Citizens National Bank Of Hammond ($23.90M)
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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