TellerScore

Bank of Hindman (FDIC certificate #289) is based in Hindman, Kentucky. Its Q2 2026 call report shows $259.7M in total assets and $211.4M in deposits and 3 offices.

Bank of Hindman has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 101st. Funding & liquidity contributes the most (100/100, 56% loans-to-deposits, 14% uninsured); earnings contributes the least (39/100, 0.48%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.19%
Loan quality70/100
Noncurrent loans ÷ total loans: 0.91%
Earnings39/100
Return on assets (annualized): 0.48%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 55.7% · 13.9% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.15%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 13 points (49 → 62), mostly because the loan quality component improved by 36 points.

TellerScore
475562Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202450
Q3 202456
Q4 202450
Q1 202547
Q2 202549
Q3 202553
Q4 202562
Q1 202653
Q2 202662
Tier 1 leverage ratio
5.00%7.15%9.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.99%
Q3 20249.12%
Q4 20249.15%
Q1 20259.13%
Q2 20259.11%
Q3 20259.29%
Q4 20259.10%
Q1 20269.08%
Q2 20269.19%
Noncurrent loans
0.75%1.47%2.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.66%
Q3 20241.14%
Q4 20241.75%
Q1 20252.19%
Q2 20251.98%
Q3 20251.71%
Q4 20250.75%
Q1 20261.80%
Q2 20260.91%
Return on assets
0.11%0.30%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.11%
Q3 20240.14%
Q4 20240.19%
Q1 20250.24%
Q2 20250.27%
Q3 20250.33%
Q4 20250.35%
Q1 20260.43%
Q2 20260.48%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$259.7M9.19%0.91%0.48%55.7%
Q1 202653$268.1M9.08%1.80%0.43%55.3%
Q4 202562$268.0M9.10%0.75%0.35%56.5%
Q3 202553$256.8M9.29%1.71%0.33%58.8%
Q2 202549$262.7M9.11%1.98%0.27%56.9%
Q1 202547$264.6M9.13%2.19%0.24%56.6%
Q4 202450$258.6M9.15%1.75%0.19%56.0%
Q3 202456$260.6M9.12%1.14%0.14%55.7%
Q2 202450$263.1M8.99%1.66%0.11%53.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.19%
15th
Total risk-based capital16.93%
78th
Problem loans0.91%
31st
Net charge-offs0.14%
16th
Return on assets0.48%
12th
Net interest margin2.08%
1st
Efficiency ratio73.4%
23rd
Loans to deposits55.7%
87th
Uninsured deposits13.9%
85th
Loan-loss reserves1.22%
53rd
Texas ratio5.1%
35th

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of KentuckyBank Carrollton, KY70 out of 100, Strong$258.0M9.2%0.60%vs
Bank of JamestownBank Jamestown, KY84 out of 100, Strong$263.8M13.0%0.02%vs
Citizens BankBank Mount Vernon, KY60 out of 100, Moderate$250.4M8.1%0.96%vs
Farmers Bank and Trust CompanyBank Princeton, KY76 out of 100, Strong$247.8M9.5%0.04%vs
Lewisburg Banking CompanyBank Lewisburg, KY72 out of 100, Strong$246.1M9.0%0.48%vs
Taylor County BankBank Campbellsville, KY77 out of 100, Strong$243.8M12.9%0.97%vs

Deposit insurance

Is my money safe at Bank of Hindman?

Yes. Bank of Hindman is an FDIC-insured institution (FDIC certificate #289). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.9% of deposits ($29.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.19%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.93% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Bank of Hindman lists 2 offices in 1 city. Most locations:

  • Hindman, KY (2)

All branch addresses and map

Identity & history

Profile

Legal name
Bank of Hindman
Type
State-chartered bank
FDIC certificate #
289
RSSD ID
763211
Primary regulator
FDIC
Holding company
Community Exc Bancshares Inc
Established
January 1, 1903
Headquarters
1362 Hindman Byp, Hindman, KY 41822
Employees
31

Quick answers

Bank of Hindman: common questions

Is Bank of Hindman FDIC insured?

Yes. Bank of Hindman is an FDIC-insured institution (FDIC certificate #289). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Hindman's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Hindman ever failed?

There is no failure record for FDIC certificate #289 in the FDIC failed bank list.

How many branches does Bank of Hindman have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hindman

InstitutionScoreAssetsCapitalProblem loansCompare
Whitaker BankBank Lexington, KY84 out of 100, Strong$1.9B12.9%0.21%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
Citizens Bank of Kentucky, Inc.Bank Paintsville, KY79 out of 100, Strong$669.9M13.5%0.85%vs
Hyden Citizens BankBank Hyden, KY73 out of 100, Strong$148.6M9.2%0.54%vs
First Federal Savings and Loan AssociationBank Hazard, KY69 out of 100, Moderate$81.3M21.6%1.69%vs
Peoples BankBank Marietta, OH67 out of 100, Moderate$9.5B9.7%0.60%vs