The Hardin County Bank
Savannah, TN
IDRSSD: 526854
Total Assets
$653.86M
Latest filing
Total Deposits
$582.76M
Latest filing
Net Interest Margin
4.25%
Profitability
Key People
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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 01/30/2026Established 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
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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 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 | 100 |
| 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 | 01/30/2026 |
| CERT | 20993 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $653.86M |
| Total Deposits | $582.76M |
| Total Liabilities | $593.94M |
| Total Equity Capital | $59.91M |
| Net Income | $1.33M |
| Net Loans and Leases | $511.99M |
| Assets Per Employee ($Millions) | $6.6M |
| Bank Premises and Fixed Assets | $12.11M |
| Cash and Balances due from Depository Institutions | $40.84M |
| Deposits Held in Domestic Offices | $582.76M |
Key Performance Ratios
| Return on Assets (ROA) | 0.82% |
| Return on Equity (ROE) | 8.89% |
| Net Interest Margin | 4.25% |
| Efficiency Ratio | 68.46% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.163% |
| Earning Assets to total Assets | 93.17% |
Income and Expense
| Total Interest Income | $9.72M |
| Total Noninterest Income | $-23,000 |
| Total Interest Expense | $3.32M |
| Total Noninterest Expense | $4.37M |
| Net Interest Income | $6.41M |
| Pre-tax Net Operating Income | $1.85M |
| Provision for Credit Losses | $160.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| 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 | $11.18M |
| Total Liabilities and Capital | $653.86M |
Securities
| Securities | $61.55M |
| Available-for-sale debt securities | $61.55M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$653.86M as of the latest filing.
How much are The Hardin County Bank's total deposits?
$582.76M in total deposits.
Where is The Hardin County Bank located?
Savannah, TN.
What is the Net Interest Margin?
4.25%.
How many domestic offices does it operate?
5.
When was it established?
03/12/1973.
What is the Return on Assets (ROA)?
0.82%.
How much are total loans and leases?
$511.99M (latest filing).
What is the total interest income (latest filing)?
$9.72M.