Side-by-side · Q2 2026 data
Hart County Bank and Trust Company vs Citizens Federal Savings and Loan Association
Bank
Hart County Bank and Trust Company
Munfordville, Kentucky · Under $100 million in assets
Bank
Citizens Federal Savings and Loan Association
Covington, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Hart County Bank and Trust Company | Citizens Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 93 (stronger) | 79 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 | 100 |
| Earnings | 100 (stronger) | 30 |
| Funding & liquidity | 50 | 52 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 94th | 63rd |
| Total assets | $24.1M | $41.9M |
| Deposits / shares | $16.1M | $28.1M |
| Capital ratio | 34.31% (stronger) | 28.05% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 2.51% (stronger) | 0.24% |
| Loans ÷ deposits | 112.7% | 107.9% (stronger) |
| Uninsured deposits | 10.3% | 4.7% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hart County Bank and Trust Company has the higher TellerScore (93 vs 79). On the 5 directional measures above (where higher or lower is clearly better), Hart County Bank and Trust Company leads on 3 and Citizens Federal Savings and Loan Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.