Hart County Bank and Trust Company: how it compares with its peers
Against 173 U.S. banks with half to twice its assets, Hart County Bank and Trust Company's strongest measure in Q2 2026 is efficiency ratio (47.64% vs. a 78.51% peer median). Its weakest relative measure is assets per employee ($4.0M vs. $5.1M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.51% | 0.93% | Top third Ahead of 82% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.00% | 3.86% | Top third Ahead of 90% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.64% | 78.51% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.0M | $5.1M | Middle third Ahead of 41% of peers |
| Loans to deposits Net loans and leases over total deposits. | 112.72% | 58.08% | Context |
What it means for lending operations
Its efficiency ratio of 47.64% is better than the 78.51% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Boelus State Bank Boelus, NE · $24M
- The Citizens National Bank of Hammond Hammond, NY · $24M
- First State Bank of Swanville Swanville, MN · $24M
- The Peoples State Bank Cherryvale, KS · $23M
- The Mt. Victory State Bank Mount Victory, OH · $23M
Questions about Hart County Bank and Trust Company
How big is Hart County Bank and Trust Company?
Hart County Bank and Trust Company, established in 1890, is headquartered in Munfordville, KY. It reported $24M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Hart County Bank and Trust Company's return on assets?
2.51% annualized in Q2 2026, against a 0.93% median for 173 U.S. banks with half to twice its assets, ahead of 82% of them.
What is Hart County Bank and Trust Company's efficiency ratio?
47.64% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 78.51%, and lower is better.
Is Hart County Bank and Trust Company growing its loans?
Net loans grew 16.9% over the year to Q2 2026, while deposits shrank 3.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.