The First National Bank of Hartford: how it compares with its peers
Against 39 AL banks with half to twice its assets, The First National Bank of Hartford's strongest measure in Q2 2026 is return on assets (1.43% vs. a 1.05% peer median). Its weakest relative measure is assets per employee ($3.0M vs. $5.3M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.43% | 1.05% | Top third Ahead of 87% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.73% | 3.88% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.92% | 69.22% | Middle third Ahead of 36% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.0M | $5.3M | Bottom third Ahead of 5% of peers |
| Loans to deposits Net loans and leases over total deposits. | 62.12% | 63.44% | Context |
What it means for lending operations
Its efficiency ratio of 72.92% is above the 69.22% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Valley State Bank Russellville, AL · $169M
- North Alabama Bank Hazel Green, AL · $179M
- First Federal Bank, A FSB Tuscaloosa, AL · $183M
- Citizens' Bank, Inc. Robertsdale, AL · $159M
- Community Neighbor Bank Camden, AL · $193M
- Sweet Water State Bank Sweet Water, AL · $150M
Questions about The First National Bank of Hartford
How big is The First National Bank of Hartford?
The First National Bank of Hartford, established in 1905, is headquartered in Hartford, AL. It reported $173M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The First National Bank of Hartford's return on assets?
1.43% annualized in Q2 2026, against a 1.05% median for 39 AL banks with half to twice its assets, ahead of 87% of them.
What is The First National Bank of Hartford's efficiency ratio?
72.92% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 69.22%, and lower is better.
Is The First National Bank of Hartford growing its loans?
Net loans grew 6.9% over the year to Q2 2026, while deposits grew 6.1%.
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 AL 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 Alabama bank ranked.