Side-by-side · Q2 2026 data
Carroll Bank and Trust vs The Hardin County Bank
Metric by metric
| Measure | Carroll Bank and Trust | The Hardin County Bank |
|---|---|---|
| TellerScore | 52 | 76 (stronger) |
| Capital cushion | 32 | 58 (stronger) |
| Loan quality | 55 | 95 (stronger) |
| Earnings | 55 | 72 (stronger) |
| Funding & liquidity | 65 | 73 (stronger) |
| Problem-loan coverage | 75 | 93 (stronger) |
| Peer percentile | 8th | 64th |
| Total assets | $662.1M | $676.7M |
| Deposits / shares | $605.5M | $600.3M |
| Capital ratio | 8.25% | 10.84% (stronger) |
| Problem loans | 1.36% | 0.16% (stronger) |
| Net charge-offs | 0.10% | 0.02% (stronger) |
| Return on assets | 0.89% | 1.29% (stronger) |
| Loans ÷ deposits | 82.2% (stronger) | 85.6% |
| Uninsured deposits | 26.8% | 16.3% (stronger) |
| Offices | 9 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.0% | — |
The Hardin County Bank has the higher TellerScore (76 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Carroll Bank and Trust leads on 1 and The Hardin County Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.