TellerScore

Headquartered in Hartford, Alabama, The First National Bank of Hartford is a national bank with $173.0M in total assets and $152.3M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1905.

Based on its Q2 2026 filing, The First National Bank of Hartford scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 37th. Its strongest component is funding & liquidity (83/100; 62% loans-to-deposits, 29% uninsured), and its lowest is loan quality (60/100; 1.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Tier 1 leverage ratio: 12.88%
Loan quality60/100
Noncurrent loans ÷ total loans: 1.19%
Earnings77/100
Return on assets (annualized): 1.43%
Funding & liquidity83/100
Loans ÷ deposits and uninsured-deposit share: 62.1% · 28.7% uninsured
Problem-loan coverage81/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.71%

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 7 points (68 → 75), mostly because the earnings component improved by 12 points.

TellerScore
677277Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202477
Q4 202467
Q1 202572
Q2 202568
Q3 202575
Q4 202576
Q1 202677
Q2 202675
Tier 1 leverage ratio
5.00%9.66%14.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.32%
Q3 202413.97%
Q4 202412.68%
Q1 202512.77%
Q2 202512.56%
Q3 202512.80%
Q4 202512.66%
Q1 202612.86%
Q2 202612.88%
Noncurrent loans
0.69%1.08%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.69%
Q3 20240.74%
Q4 20241.46%
Q1 20251.22%
Q2 20251.47%
Q3 20250.83%
Q4 20250.91%
Q1 20261.09%
Q2 20261.19%
Return on assets
0.46%1.07%1.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.46%
Q3 20240.74%
Q4 20240.99%
Q1 20251.17%
Q2 20251.12%
Q3 20251.15%
Q4 20251.34%
Q1 20261.67%
Q2 20261.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$173.0M12.88%1.19%1.43%62.1%
Q1 202677$173.9M12.86%1.09%1.67%62.6%
Q4 202576$168.7M12.66%0.91%1.34%62.8%
Q3 202575$165.3M12.80%0.83%1.15%62.7%
Q2 202568$161.7M12.56%1.47%1.12%61.7%
Q1 202572$160.9M12.77%1.22%1.17%60.9%
Q4 202467$156.7M12.68%1.46%0.99%62.4%
Q3 202477$156.9M13.97%0.74%0.74%61.7%
Q2 202476$149.2M14.32%0.69%0.46%63.5%

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 ratio12.88%
74th
Total risk-based capital0.00%
24th
Problem loans1.19%
24th
Net charge-offs0.17%
14th
Return on assets1.43%
61st
Net interest margin4.73%
87th
Efficiency ratio72.9%
24th
Loans to deposits62.1%
80th
Uninsured deposits28.7%
32nd
Loan-loss reserves1.08%
36th
Texas ratio9.7%
19th

Similar-size banks in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Valley State BankBank Russellville, AL82 out of 100, Strong$169.5M17.8%0.97%vs
North Alabama BankBank Hazel Green, AL80 out of 100, Strong$178.6M11.7%0.15%vs
First Federal Bank, A FSBBank Tuscaloosa, AL55 out of 100, Moderate$182.6M7.8%0.60%vs
Citizens' Bank, Inc.Bank Robertsdale, AL77 out of 100, Strong$158.9M11.0%0.14%vs
Community Neighbor BankBank Camden, AL69 out of 100, Moderate$193.2M11.1%1.30%vs
Sweet Water State BankBank Sweet Water, AL67 out of 100, Moderate$150.0M9.7%1.30%vs

Deposit insurance

Is my money safe at The First National Bank of Hartford?

Yes. The First National Bank of Hartford is an FDIC-insured institution (FDIC certificate #2804). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.7% of deposits ($43.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.88%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

The First National Bank of Hartford lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The First National Bank of Hartford reported 123 home-loan applications under HMDA (LEI 254900FN90BBXGBCPB30): 114 originated ($11,330,000 total), 2 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The First National Bank of Hartford
Type
National bank
FDIC certificate #
2804
RSSD ID
112332
Primary regulator
OCC
Holding company
First Hartford Bancshares Inc
Established
January 1, 1905
Headquarters
101 S 3rd Ave, Hartford, AL 36344
Employees
58

Quick answers

The First National Bank of Hartford: common questions

Is The First National Bank of Hartford FDIC insured?

Yes. The First National Bank of Hartford is an FDIC-insured institution (FDIC certificate #2804). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Hartford's TellerScore?

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

Has The First National Bank of Hartford ever failed?

There is no failure record for FDIC certificate #2804 in the FDIC failed bank list.

How many branches does The First National Bank of Hartford have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hartford

InstitutionScoreAssetsCapitalProblem loansCompare
The Samson Banking Company, Inc.Bank Samson, AL94 out of 100, Very strong$124.5M14.8%0.00%vs
Friend BankBank Slocomb, AL85 out of 100, Very strong$221.0M13.5%0.48%vs
BankSouthBank Dothan, AL84 out of 100, Strong$221.5M19.1%0.02%vs
Southern Energy Credit UnionCredit union Birmingham, AL84 out of 100, Strong$3.6B14.6%0.23%vs
Peoples Bank of GracevilleBank Graceville, FL75 out of 100, Strong$115.8M10.3%0.34%vs
Five Star Credit UnionCredit union Dothan, AL72 out of 100, Strong$1.3B13.8%1.50%vs