Hart County Bank and Trust Company is a state-chartered bank headquartered in Munfordville, Kentucky, in business for about 136 years. At the end of Q2 2026 it reported $24.1M in total assets and $16.1M in deposits, with 1 office.
Hart County Bank and Trust Company has a TellerScore of 93 out of 100 (very strong) based on Q2 2026 data — higher than 94% of its 546 banks with under $100 million in assets. Among 120 banks headquartered in Kentucky, it ranks 4th. Capital cushion contributes the most (100/100, 34.31%); funding & liquidity contributes the least (50/100, 113% loans-to-deposits, 10% uninsured).
TellerScore · Q2 2026
Scorecard
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 fell 2 points (95 → 93), mostly because the funding & liquidity component weakened by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 91 |
| Q3 2024 | 89 |
| Q4 2024 | 89 |
| Q1 2025 | 96 |
| Q2 2025 | 95 |
| Q3 2025 | 94 |
| Q4 2025 | 93 |
| Q1 2026 | 93 |
| Q2 2026 | 93 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 29.40% |
| Q3 2024 | 30.62% |
| Q4 2024 | 30.75% |
| Q1 2025 | 29.13% |
| Q2 2025 | 30.53% |
| Q3 2025 | 29.68% |
| Q4 2025 | 31.75% |
| Q1 2026 | 31.97% |
| Q2 2026 | 34.31% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.50% |
| Q3 2024 | 1.33% |
| Q4 2024 | 1.27% |
| Q1 2025 | 2.10% |
| Q2 2025 | 2.01% |
| Q3 2025 | 2.06% |
| Q4 2025 | 2.14% |
| Q1 2026 | 2.45% |
| Q2 2026 | 2.51% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 93 | $24.1M | 34.31% | 0.00% | 2.51% | 112.7% |
| Q1 2026 | 93 | $24.0M | 31.97% | 0.00% | 2.45% | 107.8% |
| Q4 2025 | 93 | $23.4M | 31.75% | 0.00% | 2.14% | 114.5% |
| Q3 2025 | 94 | $24.0M | 29.68% | 0.00% | 2.06% | 100.2% |
| Q2 2025 | 95 | $24.6M | 30.53% | 0.00% | 2.01% | 93.5% |
| Q1 2025 | 96 | $25.5M | 29.13% | 0.00% | 2.10% | 90.2% |
| Q4 2024 | 89 | $24.8M | 30.75% | 0.00% | 1.27% | 93.0% |
| Q3 2024 | 89 | $24.7M | 30.62% | 0.00% | 1.33% | 95.5% |
| Q2 2024 | 91 | $25.7M | 29.40% | 0.00% | 1.50% | 91.6% |
546 peers · Under $100 million in assets
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).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Home Savings Bank, FSBBank Ludlow, KY | 25 out of 100, Low | $25.7M | 10.2% | 7.46% | vs |
| First Federal Savings and Loan AssociationBank Morehead, KY | 54 out of 100, Below average | $41.3M | 25.6% | 3.07% | vs |
| Citizens Federal Savings and Loan AssociationBank Covington, KY | 79 out of 100, Strong | $41.9M | 28.0% | 0.00% | vs |
| Carrollton Federal BankBank Carrollton, KY | 87 out of 100, Very strong | $43.6M | 15.7% | 0.00% | vs |
| Cornerstone Community BankBank Owensboro, KY | 74 out of 100, Strong | $44.5M | 277.2% | 0.00% | vs |
| Pinnacle Bank, Inc.Bank Pikeville, KY | 67 out of 100, Moderate | $57.9M | 15.7% | 1.74% | vs |
Deposit insurance
Is my money safe at Hart County Bank and Trust Company?
Yes. Hart County Bank and Trust Company is an FDIC-insured institution (FDIC certificate #10145). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 10.3% of deposits ($1.7M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 34.31%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 40.54% (benchmark: 10%).
1 location
Branches
Hart County Bank and Trust Company lists 1 office in 1 city. Most locations:
- Munfordville, KY (1)
Identity & history
Profile
- Legal name
- Hart County Bank and Trust Company
- Former names
- Hart County Deposit Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10145
- RSSD ID
- 456344
- Primary regulator
- FDIC
- Holding company
- Hart Bancshares Inc
- Established
- February 20, 1890
- Headquarters
- 331 Main St, Munfordville, KY 42765
- Employees
- 6
Quick answers
Hart County Bank and Trust Company: common questions
Is Hart County Bank and Trust Company FDIC insured?
Yes. Hart County Bank and Trust Company is an FDIC-insured institution (FDIC certificate #10145). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Hart County Bank and Trust Company's TellerScore?
93 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Hart County Bank and Trust Company ever failed?
There is no failure record for FDIC certificate #10145 in the FDIC failed bank list.
How many branches does Hart County Bank and Trust Company have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Munfordville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Lincoln National Bank of HodgenvilleBank Hodgenville, KY | 86 out of 100, Very strong | $454.4M | 14.9% | 0.43% | vs |
| Edmonton State BankBank Glasgow, KY | 82 out of 100, Strong | $1.2B | 11.5% | 0.32% | vs |
| United Citizens Bank of Southern KentuckyBank Columbia, KY | 81 out of 100, Strong | $286.2M | 12.1% | 0.43% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| The Cecilian BankBank Cecilia, KY | 77 out of 100, Strong | $1.6B | 11.0% | 0.40% | vs |
| Wilson & Muir Bank & Trust CompanyBank Bardstown, KY | 76 out of 100, Strong | $818.4M | 9.4% | 0.27% | vs |