Hardin County Savings Bank

1414 Edgington Avenue
Eldora, IA 50627

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 5817
Date Established 1868
Assets $0.20 billion
Loans $0.12 billion
Deposits $0.17 billion
Capital $0.02 billion

Hardin County Savings Bank is an FDIC insured institution located in Eldora, IA. It was founded in 1868 and has approximately $0.2 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of Hardin County Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Hardin County Savings Bank’s loan portfolio are Farm Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks, Hardin County Savings Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 13.87
Multifamily
Mortgages
0.28
Credit Card Loans 0.00
Consumer Auto Loans 0.74
Small Business Loans 2.98
Construction and Development Loans 3.67
Commercial Real Estate 14.90
Commercial and Industrial Loans 12.86
Farm Loans 29.44

Deposit Rates - October 17, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.45% $2,500 $24,999 Learn MoreShow Less
Money Market
0.55% $25,000 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
1.00% $1,000 $24,999 Learn MoreShow Less
6 Mo CD
1.76% $1,000 $24,999 Learn MoreShow Less
6 Mo CD
1.86% $25,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.46% $1 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
1.86% $2,500 $24,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.20% $10 $1,499 Learn MoreShow Less
Int Ckg
0.30% $1,500 $24,999 Learn MoreShow Less

Loan Rates - October 17, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Hardin County Savings Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Ally Bank
NMLS ID: 181005
4.935% 4.875% 0.25 $1,826 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.500% 5.500% 0.00 $0 $1,420 Learn More
Rocket Mortgage
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.651% 4.625% -0.13 $872 $1,286 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More
Flagstar Bank 5.490% $283.58 Learn More

Note to Hardin County Savings Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Hardin County Savings Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Hardin County Savings Bank Locations

Financial Details

Hardin County Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Hardin County Savings Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Hardin County Savings Bank U.S. Bank Average
0% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2018, Hardin County Savings Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $16,340,000 in equity and $1,701,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Hardin County Savings Bank U.S. Bank Average
13.84% 9.77%

Hardin County Savings Bank has a Return on Equity of 13.84% versus the BestCashCow average of 9.77%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Hardin County Savings Bank U.S. Bank Average
8.09% 12.31%

Hardin County Savings Bank has a Capitalization of 8.09% versus the BestCashCow average of 12.31. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Hardin County Savings Bank Balance Sheet Analysis

As of June 30, 2018, Hardin County Savings Bank had assets of $202,050,000, loans of $117,006,000, and deposits of $167,484,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.07 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.12 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.19 billion
LIABILITIES
Total deposits $0.17 billion
      Interest-bearing deposits $0.14 billion
      Deposits held in domestic offices $0.17 billion
      % insured (estimated) 78.07%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.19 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

June 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Hardin County Savings Bank

Branches and Savings

Is Hardin County Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #5817.

Why does Hardin County Savings Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Hardin County Savings Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Hardin County Savings Bank a commercial bank?

Yes

Where are Hardin County Savings Bank locations?

See branch locations nearby.

Is Hardin County Savings Bank open on Saturdays?

Is Hardin County Savings Bank open on Sundays?

What time does Hardin County Savings Bank open?

What time does Hardin County Savings Bank close?

Are Hardin County Savings Bank ATMs Open 24/7?

Do Hardin County Savings Bank ATMs accept cash deposits?

Can Hardin County Savings Bank customers use other ATMs?

Do Hardin County Savings Bank branches have notaries?

Will Hardin County Savings Bank notarize my document?

What address for Hardin County Savings Bank should I put for incoming ACH transfers?

Will the Hardin County Savings Bank branch print checks?

Do Hardin County Savings Bank checks expire?

Does Hardin County Savings Bank require US citizenship to open account?

Can Hardin County Savings Bank close my account?

Does Hardin County Savings Bank Report to credit bureaus?

Does Hardin County Savings Bank Use Equifax?

What is Hardin County Savings Bank's ACH Routing Number?

What is Hardin County Savings Bank's SWIFT code?

Products

Does Hardin County Savings Bank offer mortgages?

Compare mortgage rates here.

Does Hardin County Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Hardin County Savings Bank offer personal loans?

Compare personal loan rates here.

Does Hardin County Savings Bank offer student loans?

Will Hardin County Savings Bank cash a check?

Will Hardin County Savings Bank redeem a savings bond?

Does Hardin County Savings Bank cash savings bonds?

Will Hardin County Savings Bank cash money orders?

Can Hardin County Savings Bank issue a money order?

Does Hardin County Savings Bank do currency exchange?

Background on The Bank

Who owns Hardin County Savings Bank?

How long has Hardin County Savings Bank been around?

Can Hardin County Savings Bank transfer to other banks?

Does Hardin County Savings Bank have quick pay?

Does Hardin County Savings Bank accept rolled coins?

Will Hardin County Savings Bank accept loose change?

Where is Hardin County Savings Bank headquarters?

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