Hart County Bank and Trust Company

Munfordville, KY

Rating Date

August 2026

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
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Weiss Ratings	Hart County Bank and Trust Company Munfordville, KY	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	8.00
Capitalization Index	10.00
Liquidity Index	0.40
Profitability Index	9.60
Stability Index	3.70

Company Info	Hart County Bank and Trust Company Munfordville, KY	Click to Compare	Click to Compare	Click to Compare
FDIC Number	10145
Phone Number	(270) 524-2231
Website	www.hartcountybank.com

Asset Quality	Hart County Bank and Trust Company Munfordville, KY	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-1.89%
5-Year Asset Growth	-5.06%
5-Year Charge-Offs to Average Loans	0.00%
Charge-Offs to Average Loans	0.00%
Non-Performing Assets to Assets	0.00%
Non-Performing Loans to Capital	0.00%
Non-Performing Loans to Loans	0.00%

Balance Sheet	Hart County Bank and Trust Company Munfordville, KY	Click to Compare	Click to Compare	Click to Compare
Total Assets	24.15M
Total Deposits	16.11M

Capital and Reserves	Hart County Bank and Trust Company Munfordville, KY	Click to Compare	Click to Compare	Click to Compare
Capital	7.96M
Leverage Ratio	34.31
Loan Loss Reserves to Loans	5.29%
Risk-Based Capital Ratio	40.54

Liquidity	Hart County Bank and Trust Company Munfordville, KY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	8.85%
Liquidity Ratio	34.28%

Profitability	Hart County Bank and Trust Company Munfordville, KY	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.40%
Net Income	299.00K
Net Interest Spread	4.81%
Operating Profit to Average Assets	2.55%
Overhead Efficiency Ratio	47.64%
Return on Assets	2.55%
Return on Equity	7.84%