Side-by-side · Q2 2026 data
Hardin County Savings Bank vs First Iowa State Bank
Metric by metric
| Measure | Hardin County Savings Bank | First Iowa State Bank |
|---|---|---|
| TellerScore | 62 (stronger) | 60 |
| Capital cushion | 48 | 52 (stronger) |
| Loan quality | 58 (stronger) | 29 |
| Earnings | 67 | 100 (stronger) |
| Funding & liquidity | 79 (stronger) | 65 |
| Problem-loan coverage | 74 (stronger) | 69 |
| Peer percentile | 22nd | 19th |
| Total assets | $402.3M | $396.1M |
| Deposits / shares | $324.4M | $359.0M |
| Capital ratio | 9.79% | 10.20% (stronger) |
| Problem loans | 1.25% (stronger) | 2.12% |
| Net charge-offs | 0.09% (stronger) | 0.73% |
| Return on assets | 1.17% | 2.03% (stronger) |
| Loans ÷ deposits | 76.4% (stronger) | 80.2% |
| Uninsured deposits | 19.1% (stronger) | 28.8% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hardin County Savings Bank has the higher TellerScore (62 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Hardin County Savings Bank leads on 5 and First Iowa State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.