$453M
+4.0%y/y
Percentile by value71st percentileby value
FDIC
LNLSGRHB
Hearthside Bank Corporation
Middlesboro, KentuckyFDIC Cert #31236
STATEEstablished 19208 branches
Holding company: HFB FINANCIAL CORPRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $59.6M |
| Investor CRE | $21.7M |
| Multifamily | $24.1M |
| Construction | $55.6M |
| 1–4 family | $256M |
| C&I | $20.2M |
| Agriculture | $186K |
| Other | $15.9M |
Loan book
Reported balances and balance-sheet intensity.
$448M
+3.9%y/y
Percentile by value71st percentileby value
FDIC
LNLSNET+3.93%
−64.2%y/y
Percentile by value39th percentileby value
FDIC
LNLSNET84.5%
−2.2%y/y
Percentile by value59th percentileby value
FDIC
LNLSNET + DEP75.8%
−0.2%y/y
Percentile by value71st percentileby value
FDIC
LNLSNET + ASSET98.34%
+0.8%y/y
Percentile by value88th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
156%
−7.0%y/y
Percentile by value45th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC86%
−12.6%y/y
Percentile by value86th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC3,625points
+9.1%y/y
Peer standing12th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD13.14%
−14.7%y/y
Percentile by value55th percentileby value
FDIC
LNRENROW + LNLSGR4.78%
−13.2%y/y
Percentile by value16th percentileby value
FDIC
LNRENROT + LNLSGR4.46%
+2.0%y/y
Percentile by value18th percentileby value
FDIC
LNCI + LNLSGR