0.80%
+40.7%y/y
Peer standing24th percentile
FDIC
NETINC + ROAHB
Hearthside Bank Corporation
Middlesboro, KentuckyFDIC Cert #31236
STATEEstablished 19208 branches
Holding company: HFB FINANCIAL CORPRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
8.73%
+29.6%y/y
Peer standing29th percentile
FDIC
NETINC + ROE1.04%
+43.7%y/y
Peer standing27th percentile
FDIC
PTAXNETINC + ASSET3.88%
+13.4%y/y
Peer standing52nd percentile
FDIC
NIM + NIMY5.86%
+4.4%y/y
Peer standing64th percentile
FDIC
INTINCY2.41%
−15.0%y/y
Peer standing52nd percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
73.78%
−5.8%y/y
Peer standing21st percentile
FDIC
NONIX + NIM + NONII + EEFFR3.23%
+6.7%y/y
Peer standing17th percentile
FDIC
NONIX + ASSET17.02%
−3.5%y/y
Percentile by value80th percentileby value
FDIC
NONII + NIM+4.14%
−55.0%y/y
Percentile by value46th percentileby value
FDIC
ASSET+6.28%
−24.8%y/y
Percentile by value65th percentileby value
FDIC
DEP+3.93%
−64.2%y/y
Percentile by value39th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.80%24th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE8.73%29th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.88%52nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR73.78%21st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+6.28%65th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+3.93%39th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.30%58th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ10.05%38th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.41%52nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC156%45th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.80%22nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.59%Median 1.26%90th 1.93%Observations 120
ROE
FDIC
NETINC + ROE8.73%25th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.25%Median 13.08%90th 22.33%Observations 120
NIM
FDIC
NIM + NIMY3.88%50th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.10%Median 3.88%90th 4.65%Observations 120
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR73.78%20th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 49.42%Median 61.83%90th 78.71%Observations 120
Deposits YoY
FDIC
DEP+6.28%66th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.06%Median +3.80%90th +11.14%Observations 120
Loans YoY
FDIC
LNLSNET+3.93%39th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.35%Median +6.09%90th +15.85%Observations 120
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.30%59th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.04%Median 0.42%90th 2.06%Observations 120
Leverage
FDIC
RBC1AAJ10.05%39th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.86%Median 10.66%90th 15.01%Observations 120
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.41%60th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.48%Median 2.53%90th 3.35%Observations 120
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC156%46th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 64%Median 168%90th 259%Observations 70
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.80%17th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.67%Median 1.31%90th 1.91%Observations 43
ROE
FDIC
NETINC + ROE8.73%17th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 7.38%Median 13.30%90th 23.44%Observations 43
NIM
FDIC
NIM + NIMY3.88%60th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.13%Median 3.78%90th 4.44%Observations 43
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR73.78%7th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.97%Median 57.62%90th 73.49%Observations 43
Deposits YoY
FDIC
DEP+6.28%60th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.37%Median +5.37%90th +11.47%Observations 43
Loans YoY
FDIC
LNLSNET+3.93%31st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.42%Median +6.13%90th +16.09%Observations 43
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.30%55th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.10%Median 0.41%90th 1.34%Observations 43
Leverage
FDIC
RBC1AAJ10.05%45th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.68%Median 10.40%90th 13.31%Observations 43
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.41%69th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.80%Median 2.73%90th 3.52%Observations 43
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC156%46th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 76%Median 182%90th 299%Observations 27
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.