Hearthside Bank Corporation: how it compares with its peers
Against 44 KY banks with half to twice its assets, Hearthside Bank Corporation's strongest measure in Q2 2026 is net interest margin (3.92% vs. a 3.80% peer median). Its weakest relative measure is efficiency ratio (72.20% vs. 56.93%).
| Measure | Hearthside Bank Corporation | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.85% | 1.31% | Bottom third Ahead of 14% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.92% | 3.80% | Middle third Ahead of 52% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.20% | 56.93% | Bottom third Ahead of 7% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $6.2M | Middle third Ahead of 41% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.36% | 85.13% | Context |
What it means for lending operations
Its efficiency ratio of 72.20% is above the 56.93% 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
- Peoples Exchange Bank Winchester, KY · $610M
- First United Bank and Trust Company Madisonville, KY · $591M
- First Kentucky Bank, Inc. Mayfield, KY · $586M
- Peoples Bank of Kentucky, Inc. Flemingsburg, KY · $565M
- West Point Bank Radcliff, KY · $561M
- Citizens Bank of Kentucky, Inc. Paintsville, KY · $670M
Questions about Hearthside Bank Corporation
How big is Hearthside Bank Corporation?
Hearthside Bank Corporation, established in 1920, is headquartered in Middlesboro, KY. It reported $609M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Hearthside Bank Corporation's return on assets?
0.85% annualized in Q2 2026, against a 1.31% median for 44 KY banks with half to twice its assets, ahead of 14% of them.
What is Hearthside Bank Corporation's efficiency ratio?
72.20% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 56.93%, and lower is better.
Is Hearthside Bank Corporation growing its loans?
Net loans grew 6.3% over the year to Q2 2026, while deposits grew 9.7%.
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 KY 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.