The Hardin County Bank is an FDIC insured institution headquartered at
235 Wayne Rd, Savannah, TN 38372.
It was founded in
1973 and has approximately $1 billion in assets. Customers can open an account at one of its 5 branches.
Access up to 90% of your home's equity, up to a maximum of $500,000.
FIXLINE: The flexibility of a HELOC with the stability of a HELOAN.
A fixed rate for life- no need to worry about fluctuating rates.
We make it easy - and fast - to access your cash (as little as 11 days).
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 20993
Date Established
1973
Assets
$ 653.86 million
Loans
$ 511.99 million
Deposits
$ 582.76 million
Capital
$ 59.92 million
Summary Balance Sheet as of December 31, 2025
ASSETS
Cash & Balances due from depository institutions
$ 40.84 million
Interest-bearing balances
$ 35.63 million
Total securities
$ 61.55 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 511.99 million
Loan loss allowance
$ 5.06 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
$ 1.56 million
Goodwill and other intangibles
N.A.
All other assets
$ 24.58 million
Total Assets
$ 593.94 million
LIABILITIES
Total deposits
$ 582.76 million
Interest-bearing deposits
$ 416.69 million
Deposits held in domestic offices
$ 582.76 million
% insured (estimated)"
80.97%
Federal funds purchased and repurchase agreements
N.A.
Trading liabilities
N.A.
Other borrowed funds
N.A.
Subordinated debt
N.A.
All other liabilities
$ 8.28 millionn
Total Liabilities
$ 593.94 million
Shareholders’ Equity
$ 59.92 million
Summary Income Statement as of December 31, 2025
INCOME AND EXPENSES
Total Interest Income
$ 37.69 million
Total Interest Expense
$ 13.43 million
Net interest income
$ 24.26 million
Provision for loan and lease losses
$ 0.84 million
Total non interest income
$ 2.83 million
Total non interest expense
$ 16.84 million
Pre-tax Net Operating Income
$ 4.82 million
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