The Hardin County Bank
Savannah, TN
IDRSSD: 526854
Total Assets
$641.84M
Latest filing
Total Deposits
$568.80M
Latest filing
Net Interest Margin
4.24%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Hardin County Bank
235 Wayne Rd
Savannah, TN 38372
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/12/1973FDIC Certificate 14498
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Hardin County Bank (Main) | 235 Wayne Rd | Savannah, TN |
| COUNCE BRANCH | 7115 Ushwy 57 | Counce, TN |
| ADAMSVILLE BRANCH | 433 E Main St | Adamsville, TN |
| PICKWICK STREET BRANCH | 780 Pickwick St | Savannah, TN |
| WAYNE ROAD DRIVE-THRU BRANCH | 1540 Wayne Rd | Savannah, TN |
Showing 4 of 4
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 03/12/1973 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 38372 |
| State and County Number | 47071 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 99 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 03/12/1973 |
| Primary Insurance Agency | DIF |
| Website | www.hardincountybank.bank |
| Data Updated | 11/14/2025 |
| CERT | 20993 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $641.84M |
| Total Deposits | $568.80M |
| Total Liabilities | $581.82M |
| Total Equity Capital | $60.02M |
| Net Income | $2.23M |
| Net Loans and Leases | $504.98M |
| Assets Per Employee ($Millions) | $6.42M |
| Bank Premises and Fixed Assets | $12.85M |
| Cash and Balances due from Depository Institutions | $34.18M |
| Deposits Held in Domestic Offices | $568.80M |
Key Performance Ratios
| Return on Assets (ROA) | 1.4% |
| Return on Equity (ROE) | 15.39% |
| Net Interest Margin | 4.24% |
| Efficiency Ratio | 55.8% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.351% |
| Earning Assets to total Assets | 93.07% |
Income and Expense
| Total Interest Income | $9.60M |
| Total Noninterest Income | $1.01M |
| Total Interest Expense | $3.31M |
| Total Noninterest Expense | $4.07M |
| Net Interest Income | $6.28M |
| Pre-tax Net Operating Income | $3.00M |
| Provision for Credit Losses | $225.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.56M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $13.02M |
| Total Liabilities and Capital | $641.84M |
Securities
| Securities | $62.33M |
| Available-for-sale debt securities | $62.33M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Hardin County Bank?
$641.84M as of the latest filing.
How much are The Hardin County Bank's total deposits?
$568.80M in total deposits.
Where is The Hardin County Bank located?
Savannah, TN.
What is the Net Interest Margin?
4.24%.
How many domestic offices does it operate?
5.
When was it established?
03/12/1973.
What is the Return on Assets (ROA)?
1.4%.
How much are total loans and leases?
$504.98M (latest filing).
What is the total interest income (latest filing)?
$9.60M.