Hart County B&T Co. Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Rate Updates and AvailabilityHart County B&T Co. money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Hart County B&T Co.? Share your experience about Hart County B&T Co. by leaving a review below, or read customer reviews before you decide to use Hart County B&T Co.. Hart County B&T Co. Texas RatioHart County B&T Co.'s Texas Ratio is at 0.00%, which is considered perfect. The Texas Ratio for Hart County B&T Co. is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Hart County B&T Co. has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, Hart County B&T Co. is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
Current Rate AvailabilityWe do not have Hart County B&T Co. rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Hart County B&T Co. is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Hart County B&T Co. rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Hart County B&T Co.'s official website for the most current offers and terms.
Bank Profile & OverviewHart County B&T Co.
331 Main StMunfordville, KY 42765 Hart Established Date: 02/20/1890 FDIC Certificate #: 10145 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: HART BANCSHARES INC How Many Domestic U.S. Offices? 1 How Many Branches are There? 1 Website: https://www.hartcountybank.com/
Is Hart County B&T Co. FDIC Insured? Yes
What is Hart County B&T Co.'s Cert number? 10145
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$25,720,000
Total Deposits:
$17,792,000
Equity Capital:
$7,657,000
Net Income:
$109,000
Return on Assets (ROA):
1.2533%
Return on Equity (ROE):
4.8100%
Headquarters:
Munfordville
Regulator:
FDIC
# of Offices:
1
Source: FDIC | Last Updated 03/31/2024
Customer ReviewsThere are no reviews for Hart County B&T Co. yet. Feel free to create one below.
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Frequently Asked Questions About Hart County B&T Co.How do I open an account at Hart County B&T Co.?You can typically open an account at Hart County B&T Co. by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Hart County B&T Co. provides a range of mortgage and home equity products. Is Hart County B&T Co. a safe place to deposit money?Yes, Hart County B&T Co. is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Hart County B&T Co. offer online and mobile banking?Most modern institutions like Hart County B&T Co. provide digital access including online balance checks and transfers. Compare to other Banks |
You can compare Hart County B&T Co. rates to other rates in our database, including 12-month CD rates currently at 3.85%, 6-month CD rates at 3.39% and 3-month CD rates at 3.65%. Savings rates are at 0.50% and money market rates are at 0.58%. Mortgage rates on 30-year fixed loans are around 6.17%. All these rates, and more, can be found in our database of rates which you can compare to 
