Side-by-side · Q2 2026 data
The Hardin County Bank vs Central Bank
Metric by metric
| Measure | The Hardin County Bank | Central Bank |
|---|---|---|
| TellerScore | 76 | 78 (stronger) |
| Capital cushion | 58 | 70 (stronger) |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 72 (stronger) | 50 |
| Funding & liquidity | 73 | 79 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 64th | 72nd |
| Total assets | $676.7M | $160.2M |
| Deposits / shares | $600.3M | $141.1M |
| Capital ratio | 10.84% | 11.95% (stronger) |
| Problem loans | 0.16% | 0.00% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.65% |
| Return on assets | 1.29% (stronger) | 0.75% |
| Loans ÷ deposits | 85.6% | 80.8% (stronger) |
| Uninsured deposits | 16.3% | 15.0% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Central Bank has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The Hardin County Bank leads on 2 and Central Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Savannah, TN
- Adamsville, TN
- Counce, TN