Hart County Bank and Trust Company

Munfordville, KY

Rating Date

March 2026

Risk Based
Capital Ratio

Leverage
Ratio

Return On
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Total
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Capital

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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	8.10
Capitalization Index	10.00
Liquidity Index	0.30
Profitability Index	8.50
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	-5.73%
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	23.38M
Total Deposits	15.63M

Capital and Reserves	Hart County Bank and Trust Company Munfordville, KY	Click to Compare	Click to Compare	Click to Compare
Capital	7.43M
Leverage Ratio	31.75
Loan Loss Reserves to Loans	5.36%
Risk-Based Capital Ratio	38.59

Liquidity	Hart County Bank and Trust Company Munfordville, KY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	9.08%
Liquidity Ratio	31.57%

Profitability	Hart County Bank and Trust Company Munfordville, KY	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.11%
Net Income	524.00K
Net Interest Spread	4.37%
Operating Profit to Average Assets	2.14%
Overhead Efficiency Ratio	52.27%
Return on Assets	2.14%
Return on Equity	7.03%