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Hardin County Savings Bank
Eldora, IA · FDIC Certificate #5817 · Chartered 01/0
Total assets
$402.27M
Total deposits
$324.45M
Total equity
$24.50M
Net loans
$247.88M
Branches (offices)
2
Net income (YTD)
$2.36M
Rank: #2,051 of 4,213 U.S. banks by assets · #80 of 225 in Iowa. Assets changed 6.2% and deposits 0.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.17% |
| Return on equity | 21.09% |
| Net interest margin (YTD) | 2.89% |
| Equity to assets | 6.09% |
| Tier 1 leverage ratio | 9.79% |
| Uninsured deposits (share of deposits) | 19.1% |
| Noncurrent loans (share of loans) | 1.25% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 76.4% |
| Real estate loans (share of loans) | 76.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $190.63M | 76.9% | |
| Commercial & industrial | $19.07M | 7.7% | |
| Consumer / individual | $10.62M | 4.3% | |
| Construction & development | $35.96M | 14.5% | |
| Agricultural | $29.20M | 11.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $313.49M | $266.37M | $2.17M | $16.74M |
| Jun 2023 | $336.97M | $288.83M | $2.33M | $18.16M |
| Jun 2024 | $340.09M | $280.14M | $2.01M | $19.36M |
| Jun 2025 | $378.91M | $321.69M | $1.98M | $15.55M |
| Jun 2026 | $402.27M | $324.45M | $2.36M | $24.50M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $324.45M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $324.45M.
Similar-sized banks
First Citizens Bank ($402.58M) · Greenway Bank ($402.26M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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