Hearthside Bank Corporation
Middlesboro, KY
IDRSSD: 902672
Total Assets
$584.55M
Latest filing
Total Deposits
$516.90M
Latest filing
Net Interest Margin
3.71%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Hearthside Bank Corporation
1602 Cumberland Ave
Middlesboro, KY 40965
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1920FDIC Certificate 44070
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Hearthside Bank Corporation (Main) | 1602 Cumberland Ave | Middlesboro, KY |
| VILLAGE CENTER BRANCH | 185 Finance St | Harlan, KY |
| NEW TAZEWELL BRANCH | 500 Fifth Ave | New Tazewell, TN |
| CUMBERLAND AVENUE BRANCH | 102 S Cumberland Ave | Harlan, KY |
| JACKSBORO BRANCH | 300 Main St | Jacksboro, TN |
| HARROGATE TN BRANCH | 111 Washington Ave | Harrogate, TN |
| KNOXVILLE BRANCH | 11140 Kingston Pike | Knoxville, TN |
Showing 6 of 6
Quarterly Trends
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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 | 01/01/1920 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40965 |
| State and County Number | 21013 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Middlesborough, KY |
Operational Info
| Number of Employees | 100 |
| Domestic Offices | 7 |
| 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 | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.hearthsidebank.com |
| Data Updated | 11/14/2025 |
| CERT | 31236 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $584.55M |
| Total Deposits | $516.90M |
| Total Liabilities | $533.89M |
| Total Equity Capital | $50.67M |
| Net Income | $1.27M |
| Net Loans and Leases | $431.74M |
| Assets Per Employee ($Millions) | $5.85M |
| Bank Premises and Fixed Assets | $14.09M |
| Cash and Balances due from Depository Institutions | $32.37M |
| Deposits Held in Domestic Offices | $516.90M |
Key Performance Ratios
| Return on Assets (ROA) | 0.88% |
| Return on Equity (ROE) | 10.2% |
| Net Interest Margin | 3.71% |
| Efficiency Ratio | 68.27% |
| Tier 1 Risk-Based Capital Ratio | 13.895% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.668% |
| Earning Assets to total Assets | 93.42% |
Income and Expense
| Total Interest Income | $7.78M |
| Total Noninterest Income | $1.03M |
| Total Interest Expense | $2.82M |
| Total Noninterest Expense | $4.09M |
| Net Interest Income | $4.96M |
| Pre-tax Net Operating Income | $1.78M |
| Provision for Credit Losses | $116.00k |
| 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 | $10.14M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.85M |
| Total Liabilities and Capital | $584.55M |
Securities
| Securities | $88.09M |
| Available-for-sale debt securities | $88.09M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $480.00k |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Hearthside Bank Corporation?
$584.55M as of the latest filing.
How much are Hearthside Bank Corporation's total deposits?
$516.90M in total deposits.
Where is Hearthside Bank Corporation located?
Middlesboro, KY.
What is the Net Interest Margin?
3.71%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1920.
What is the Return on Assets (ROA)?
0.88%.
How much are total loans and leases?
$431.74M (latest filing).
What is the total interest income (latest filing)?
$7.78M.