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The First National Bank Of Hartford
Hartford, AL · FDIC Certificate #2804 · Chartered 01/0
Total assets
$172.99M
Total deposits
$152.32M
Total equity
$19.38M
Net loans
$94.62M
Branches (offices)
3
Net income (YTD)
$1.23M
Rank: #3,161 of 4,213 U.S. banks by assets · #68 of 93 in Alabama. Assets changed 7.0% and deposits 6.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.43% |
| Return on equity | 12.71% |
| Net interest margin (YTD) | 4.73% |
| Equity to assets | 11.20% |
| Tier 1 leverage ratio | 12.88% |
| Uninsured deposits (share of deposits) | 28.7% |
| Noncurrent loans (share of loans) | 1.19% |
| Net charge-offs (share of loans) | 0.17% |
| Loans to deposits | 62.1% |
| Real estate loans (share of loans) | 75.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $70.92M | 75.0% | |
| Commercial & industrial | $7.32M | 7.7% | |
| Consumer / individual | $9.14M | 9.7% | |
| Construction & development | $6.90M | 7.3% | |
| Agricultural | $5.92M | 6.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $138.61M | $124.31M | $469.00K | $13.82M |
| Jun 2023 | $140.92M | $124.81M | $508.00K | $13.30M |
| Jun 2024 | $149.22M | $133.60M | $341.00K | $14.63M |
| Jun 2025 | $161.65M | $143.56M | $898.00K | $17.00M |
| Jun 2026 | $172.99M | $152.32M | $1.23M | $19.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $152.32M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $152.32M.
Similar-sized banks
Twin River Bank ($173.03M) · Citizens Bank And Trust Of Lebanon, Inc. ($172.98M)
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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