Side-by-side · Q2 2026 data
Hardin County Savings Bank vs First State Bank
Metric by metric
| Measure | Hardin County Savings Bank | First State Bank |
|---|---|---|
| TellerScore | 62 | 75 (stronger) |
| Capital cushion | 48 | 48 |
| Loan quality | 58 | 93 (stronger) |
| Earnings | 67 | 100 (stronger) |
| Funding & liquidity | 79 (stronger) | 53 |
| Problem-loan coverage | 74 | 97 (stronger) |
| Peer percentile | 22nd | 61st |
| Total assets | $402.3M | $384.2M |
| Deposits / shares | $324.4M | $308.1M |
| Capital ratio | 9.79% (stronger) | 9.77% |
| Problem loans | 1.25% | 0.21% (stronger) |
| Net charge-offs | 0.09% | 0.01% (stronger) |
| Return on assets | 1.17% | 2.11% (stronger) |
| Loans ÷ deposits | 76.4% (stronger) | 95.6% |
| Uninsured deposits | 19.1% (stronger) | 26.0% |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.5% |
First State Bank has the higher TellerScore (75 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Hardin County Savings Bank leads on 3 and First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.