The Hardin County Bank is a state-chartered bank (fed member) headquartered in Savannah, Tennessee, in business for about 53 years. At the end of Q2 2026 it reported $676.7M in total assets and $600.3M in deposits, with 5 offices.
The Hardin County Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 32nd. Loan quality contributes the most (95/100, 0.16%); capital cushion contributes the least (58/100, 10.84%).
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 rose 6 points (70 → 76), mostly because the earnings component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 71 |
| Q4 2024 | 73 |
| Q1 2025 | 68 |
| Q2 2025 | 70 |
| Q3 2025 | 71 |
| Q4 2025 | 73 |
| Q1 2026 | 75 |
| Q2 2026 | 76 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.73% |
| Q3 2024 | 10.93% |
| Q4 2024 | 10.26% |
| Q1 2025 | 10.30% |
| Q2 2025 | 10.53% |
| Q3 2025 | 10.83% |
| Q4 2025 | 10.57% |
| Q1 2026 | 10.57% |
| Q2 2026 | 10.84% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.93% |
| Q3 2024 | 0.53% |
| Q4 2024 | 0.08% |
| Q1 2025 | 0.47% |
| Q2 2025 | 0.40% |
| Q3 2025 | 0.39% |
| Q4 2025 | 0.19% |
| Q1 2026 | 0.18% |
| Q2 2026 | 0.16% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.38% |
| Q3 2024 | 1.24% |
| Q4 2024 | 1.16% |
| Q1 2025 | 1.04% |
| Q2 2025 | 1.08% |
| Q3 2025 | 1.19% |
| Q4 2025 | 1.09% |
| Q1 2026 | 1.22% |
| Q2 2026 | 1.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $676.7M | 10.84% | 0.16% | 1.29% | 85.6% |
| Q1 2026 | 75 | $677.8M | 10.57% | 0.18% | 1.22% | 81.9% |
| Q4 2025 | 73 | $653.9M | 10.57% | 0.19% | 1.09% | 87.9% |
| Q3 2025 | 71 | $641.8M | 10.83% | 0.39% | 1.19% | 88.8% |
| Q2 2025 | 70 | $634.5M | 10.53% | 0.40% | 1.08% | 87.9% |
| Q1 2025 | 68 | $628.4M | 10.30% | 0.47% | 1.04% | 87.7% |
| Q4 2024 | 73 | $627.2M | 10.26% | 0.08% | 1.16% | 88.9% |
| Q3 2024 | 71 | $613.5M | 10.93% | 0.53% | 1.24% | 92.0% |
| Q2 2024 | 68 | $596.4M | 10.73% | 0.93% | 1.38% | 90.3% |
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).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Carroll Bank and TrustBank Huntingdon, TN | 52 out of 100, Below average | $662.1M | 8.2% | 1.36% | vs |
| BankTennesseeBank Collierville, TN | 58 out of 100, Moderate | $630.3M | 9.7% | 1.20% | vs |
| Andrew Johnson BankBank Greeneville, TN | 73 out of 100, Strong | $611.9M | 11.2% | 0.83% | vs |
| Wayne County BankBank Waynesboro, TN | 84 out of 100, Strong | $595.1M | 13.6% | 0.72% | vs |
| INSOUTH BankBank Brownsville, TN | 42 out of 100, Below average | $591.9M | 8.5% | 2.29% | vs |
| Millennium BankBank Chattanooga, TN | 44 out of 100, Below average | $780.8M | 7.7% | 0.68% | vs |
Deposit insurance
Is my money safe at The Hardin County Bank?
Yes. The Hardin County Bank is an FDIC-insured institution (FDIC certificate #20993). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.3% of deposits ($98.0M) 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 10.84%, 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%).
5 locations
Branches
The Hardin County Bank lists 4 offices in 3 cities. Most locations:
- Savannah, TN (2)
- Adamsville, TN (1)
- Counce, TN (1)
Identity & history
Profile
- Legal name
- The Hardin County Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 20993
- RSSD ID
- 526854
- Primary regulator
- FED
- Holding company
- Hardin County Bancshares Inc
- Established
- March 12, 1973
- Headquarters
- 235 Wayne Rd, Savannah, TN 38372
- Website
- www.hardincountybank.bank
- Employees
- 103
Quick answers
The Hardin County Bank: common questions
Is The Hardin County Bank FDIC insured?
Yes. The Hardin County Bank is an FDIC-insured institution (FDIC certificate #20993). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Hardin County Bank's TellerScore?
76 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 Hardin County Bank ever failed?
There is no failure record for FDIC certificate #20993 in the FDIC failed bank list.
How many branches does The Hardin County Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Savannah
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tennessee River Federal Credit UnionCredit union Counce, TN | 89 out of 100, Very strong | $16.3M | 33.2% | 0.25% | vs |
| Wayne County BankBank Waynesboro, TN | 84 out of 100, Strong | $595.1M | 13.6% | 0.72% | vs |
| Peoples BankBank Clifton, TN | 79 out of 100, Strong | $445.3M | 12.7% | 0.39% | vs |
| Central BankBank Savannah, TN | 78 out of 100, Strong | $160.2M | 12.0% | 0.00% | vs |
| Farmers and Merchants BankBank Baldwyn, MS | 77 out of 100, Strong | $565.8M | 14.2% | 1.69% | vs |
| Commerce BankBank Corinth, MS | 74 out of 100, Strong | $167.9M | 12.5% | 1.72% | vs |