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HCB Hardin County Bank

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HCB Hardin County Bank Rates & Review April 2026

Q: How many branches does HCB Hardin County Bank operate?

HCB Hardin County Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, HCB Hardin County Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, HCB Hardin County Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare HCB Hardin County Bank rates to other rates in our database, including 12-month CD rates currently at 3.56%, 6-month CD rates at 2.37% and 3-month CD rates at 3.65%. Savings rates are at 0.01% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.16%. All these rates can be compared to HCB Hardin County Bank rates. MonitorBankRates evaluates the financial stability of HCB Hardin County Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.21%. Rates were last updated on 04/23/2026.

HCB Hardin County Bank 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 HCB Hardin County Bank? Share your experience about HCB Hardin County Bank by leaving a review below, or read customer reviews before you decide to use HCB Hardin County Bank.

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.21%

Excellent Higher than avg

HCB Hardin County Bank

235 Wayne Rd
Savannah, TN 38372

https://www.hardincountybank.bank

Current Rate Availability

We do not have HCB Hardin County Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for HCB Hardin County Bank 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 HCB Hardin County Bank 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 HCB Hardin County Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name HCB Hardin County Bank

Bank Holding Company HARDIN COUNTY BANCSHARES INC

Address 235 Wayne Rd, Savannah, TN 38372 · Hardin

Website https://www.hardincountybank.bank

FDIC Certificate # 20993

Established 03/12/1973

FDIC Insurance Date 03/12/1973

Domestic Offices 5

Total Branches 5

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

10.21%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2950%

Return on Equity (ROE) 15.7400%

Non-Performing Loans (NPL) 0.76%

Total Assets $653,856,000

Total Deposits $582,757,000

Equity Capital $59,915,000

Net Income $6,966,000

Headquarters Savannah

Total Offices 5

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About HCB Hardin County Bank

Is HCB Hardin County Bank a safe place to deposit money?

Yes, HCB Hardin County Bank is considered a safe financial institution. With a Texas Ratio of 10.211428685085%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does HCB Hardin County Bank operate?

HCB Hardin County Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, HCB Hardin County Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, HCB Hardin County Bank provides members with tools to manage their accounts and build a solid financial history.

Does HCB Hardin County Bank offer online and mobile banking?

Most modern institutions like HCB Hardin County Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.hardincountybank.bank.