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The Hardin County Bank

Savannah, TN · Est. 1973 · Website ↗
A
Trust Grade
Excellent
Score: 94/100

The Hardin County Bank is a bank based in Savannah, Tennessee, established in 1973, with $678 million in total assets across 5 branches. By Trust Grade it ranks 66th of 109 banks we track in Tennessee. Its capital ratio of 9.1% trails most similarly sized banks (30th percentile), versus a Tennessee median of 9.8%. It was profitable over the most recent period, with a 1.22% return on assets. No consumer complaints against The Hardin County Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$677.8M
$100M–1B institution
Deposits
$604.0M
Branches
5
Capital ratio
9.1%
Bottom 30% of $100M–1B peers · Tennessee median 9.8%
Return on assets
1.2%
Top 49% of $100M–1B peers · Tennessee median 1.07%
Rank in Tennessee
#66
of 109 banks

How The Hardin County Bank compares to Tennessee peers

Capital ratio
Bottom 30% of $100M–1B peers
The Hardin
9.1%
Tennessee median
9.8%
Higher capital ratio = stronger financial cushion
Return on assets
Top 49% of $100M–1B peers
The Hardin
1.2%
Tennessee median
1.1%
Higher ROA = more profitable relative to asset base

How we graded The Hardin County Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
94/100
Customer experience
n/a
Overall
A · 94
  • Strongly capitalized (9.1% capital ratio)
  • Strongly profitable (ROA 1.22%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for The Hardin County Bank over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (5)

  • 235 Wayne Rd, Savannah, TN 38372
  • 7115 Ushwy 57, Counce, TN 38326
  • 433 E Main St, Adamsville, TN 38310
  • 780 Pickwick St, Savannah, TN 38372
  • 1540 Wayne Rd, Savannah, TN 38372

Are deposits at The Hardin County Bank insured?

Yes. The Hardin County Bank is an FDIC-insured bank (FDIC certificate #20993). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

The Hardin County Bank: frequently asked questions

Is The Hardin County Bank a good bank?

The Hardin County Bank earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Strongly capitalized (9.1% capital ratio); Strongly profitable (ROA 1.22%).

Is The Hardin County Bank FDIC-insured?

Yes. The Hardin County Bank is a FDIC-insured bank (FDIC certificate #20993). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is The Hardin County Bank?

The Hardin County Bank holds $678 million in total assets, ranking 66th of 109 banks we track in Tennessee. It operates 5 branches.

Does The Hardin County Bank have CFPB complaints?

No CFPB complaints against The Hardin County Bank appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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