Hardin County Savings Bank
Eldora, IA
IDRSSD: 647245
Total Assets
$409.36M
Latest filing
Total Deposits
$350.58M
Latest filing
Net Interest Margin
2.67%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Hardin County Savings Bank
1202 Edgington Ave
Eldora, IA 50627
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1868FDIC Certificate 3975
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Hardin County Savings Bank (Main) | 1202 Edgington Ave | Eldora, IA |
| UNION MAIN BRANCH | 204 Center St | Union, IA |
Showing 1 of 1
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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1868 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50627 |
| State and County Number | 19083 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 33 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.hardincsb.com |
| Data Updated | 11/14/2025 |
| CERT | 5817 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $409.36M |
| Total Deposits | $350.58M |
| Total Liabilities | $390.67M |
| Total Equity Capital | $18.69M |
| Net Income | $963.00k |
| Net Loans and Leases | $230.86M |
| Assets Per Employee ($Millions) | $12.04M |
| Bank Premises and Fixed Assets | $1.45M |
| Cash and Balances due from Depository Institutions | $3.75M |
| Deposits Held in Domestic Offices | $350.58M |
Key Performance Ratios
| Return on Assets (ROA) | 0.98% |
| Return on Equity (ROE) | 22.5% |
| Net Interest Margin | 2.67% |
| Efficiency Ratio | 58.61% |
| Tier 1 Risk-Based Capital Ratio | 12.945% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 4.566% |
| Earning Assets to total Assets | 94.59% |
Income and Expense
| Total Interest Income | $5.20M |
| Total Noninterest Income | $198.00k |
| Total Interest Expense | $2.71M |
| Total Noninterest Expense | $1.57M |
| Net Interest Income | $2.49M |
| Pre-tax Net Operating Income | $1.00M |
| Provision for Credit Losses | $106.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $35.73M |
| Federal Funds Sold & Reverse Repurchase Agreement | $30.52M |
| Federal Funds Purchased and Repurchased Agreement | $2.49M |
| All Other Liabilities | $1.87M |
| Total Liabilities and Capital | $409.36M |
Securities
| Securities | $125.65M |
| Available-for-sale debt securities | $77.06M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $47.95M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Hardin County Savings Bank?
$409.36M as of the latest filing.
How much are Hardin County Savings Bank's total deposits?
$350.58M in total deposits.
Where is Hardin County Savings Bank located?
Eldora, IA.
What is the Net Interest Margin?
2.67%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1868.
What is the Return on Assets (ROA)?
0.98%.
How much are total loans and leases?
$230.86M (latest filing).
What is the total interest income (latest filing)?
$5.20M.