Harpeth Bank & Trust: how it compares with its peers
Against 40 TN banks with half to twice its assets, Harpeth Bank & Trust's strongest measure in Q2 2026 is assets per employee ($6.0M vs. a $6.3M peer median). Its weakest relative measure is return on assets (-5.11% vs. 0.97%).
| Measure | Harpeth Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -5.11% | 0.97% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.39% | 4.06% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 260.32% | 65.28% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $6.3M | Middle third Ahead of 43% of peers |
| Loans to deposits Net loans and leases over total deposits. | 71.88% | 81.82% | Context |
What it means for lending operations
Its efficiency ratio of 260.32% is above the 65.28% 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
- Greeneville Federal Bank, FSB Greeneville, TN · $204M
- Citizens Savings Bank and Trust Company Nashville, TN · $188M
- Heritage Community Bank Greeneville, TN · $184M
- UBank Knoxville, TN · $183M
- Putnam 1st Mercantile Bank Cookeville, TN · $179M
- Foundation Bank Mc Kenzie, TN · $218M
Questions about Harpeth Bank & Trust
How big is Harpeth Bank & Trust?
Harpeth Bank & Trust, established in 1927, is headquartered in Franklin, TN. It reported $198M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Harpeth Bank & Trust's return on assets?
-5.11% annualized in Q2 2026, against a 0.97% median for 40 TN banks with half to twice its assets, ahead of 0% of them.
What is Harpeth Bank & Trust's efficiency ratio?
260.32% in Q2 2026: it spent about 260 cents in noninterest expense for each dollar of revenue. The peer median is 65.28%, and lower is better.
Is Harpeth Bank & Trust growing its loans?
Net loans grew 9.0% over the year to Q2 2026, while deposits shrank 1.6%.
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 TN 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 Tennessee bank ranked.