Banks · Tennessee

The Hardin County Bank

Savannah, TN · FDIC Certificate #20993 · Chartered 03/1

Total assets

$676.67M

Total deposits

$600.34M

Total equity

$64.15M

Net loans

$513.77M

Branches (offices)

Net income (YTD)

$4.32M

Rank: #1,406 of 4,213 U.S. banks by assets · #44 of 109 in Tennessee. Assets changed 6.6% and deposits 6.1% over the year to June 30, 2026.

Key ratios

Return on assets (YTD, annualized by FDIC)	1.29%
Return on equity	13.98%
Net interest margin (YTD)	4.08%
Equity to assets	9.48%
Tier 1 leverage ratio	10.84%
Uninsured deposits (share of deposits)	16.3%
Noncurrent loans (share of loans)	0.16%
Net charge-offs (share of loans)	0.02%
Loans to deposits	85.6%
Real estate loans (share of loans)	63.5%

Loan mix

Category	Amount	Share
Real estate loans	$326.45M	63.5%
Commercial & industrial	$172.94M	33.7%
Consumer / individual	$18.51M	3.6%
Construction & development	$70.61M	13.7%
Agricultural	$1.35M	0.3%

Five-year trend (June snapshots)

Period	Total assets	Deposits	Net income (year to date)	Equity / net worth
Jun 2022	$601.41M	$544.45M	$3.57M	$48.68M
Jun 2023	$595.25M	$534.48M	$3.87M	$50.67M
Jun 2024	$596.37M	$529.92M	$4.12M	$54.62M
Jun 2025	$634.55M	$565.93M	$3.40M	$56.18M
Jun 2026	$676.67M	$600.34M	$4.32M	$64.15M

Where its branch deposits sit (FDIC Summary of Deposits)

State	Branch deposits	Offices
Tennessee	$600.34M	5

Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $600.34M.

Similar-sized banks

The Stephenson National Bank And Trust ($676.84M) · Springs Valley Bank & Trust Company ($675.31M)

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.