Hearthside Bank Corporation

BankMiddlesboro, Kentucky
www.hearthsidebank.com

Total Assets

$570.6M

Total Deposits

$512.9M

Branches

7

Established

1920

TFS Health Grade

$
C

74.4 / 100

Average financial health

How we grade

Hearthside Bank Corporation is a bank headquartered in Middlesboro, Kentucky, established in 1920. With $570.6M in total assets and 7 branch locations, it has a TFS Financial Health Grade of C (74.4/100).

Capital & Safety

Tier 1 Capital Ratio
9.93%(8%)
Total Capital Ratio
15.50%(10%)
Non-Performing Loan Ratio
0.27%

Profitability

Return on Assets (ROA)
0.81%(1%)
Return on Equity (ROE)
9.37%(10%)
Net Interest Margin
3.63%
Efficiency Ratio
72.72%(60%)

Lending & Liquidity

Total Loans
$437.7M
Loan-to-Deposit Ratio
84.30%
Net Charge-Off Ratio
0.02%

Growth

Asset Growth (YoY)
+1.73%
Deposit Growth (YoY)
+5.58%
Net Income
$4.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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