Hardin County Savings Bank

Eldora, Iowa, Hardin County

$402M in total assets, the 2,085th largest of 4,309 US banks and 80th of 227 headquartered in Iowa.

At a glance

Compared with 166 banks headquartered in Iowa with $100 million to $1 billion in assets, as of June 30, 2026.

Measure	This bank	Percentile	Peer median
Total assets	$402M	69%	$277M
Loans	$250M	65%	$192M
Deposits	$324M	67%	$234M
Return on assets	1.11%	30%	1.34%
Net interest margin	2.89%	9%	3.65%
Efficiency ratio	54.3%	43%	55.8%
Equity to assets	6.09%	2%	10.59%
Loans to deposits	77%	38%	83%

Total assets grew 8.4% a year over the last 5 years and 7.5% a year over 10 years, without acquisitions.

Closed	Acquired bank	Assets at acquisition
Oct 1982	Union-Whitten State Savings Bank Union, IA	n/a

2 branches in 1 county.

County	Deposits	Market share	Rank
Hardin County, IA	$324M	28.2%	2 of 7

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

Net loss of 1 branch since 2016 (3 to 2, −33.3%). 0 opened, 0 acquired, 1 closed or sold.

Period	What happened	Opened or acquired	Closed or sold	Net change	Branches at end
Start of 2016	Starting point				3
2016	Closed Liscomb	0	1	−1	2

Type	This bank	Peers
1-4 family residential	31%	22%
Construction and land	14%	4%
Commercial real estate	13%	17%
Farmland	13%	21%
Agricultural	12%	16%
Business (C&I)	8%	13%
Multifamily	5%	3%
Consumer	4%	2%
Other	0%	1%

Type	This bank	Peers
Time deposits	56%	33%
Other interest-bearing	31%	49%
Noninterest-bearing	13%	18%

Brokered deposits are 27.0% of deposits (peers 2.9%).

Trailing four quarters, with the peer median.

Noncurrent loans exclude government-guaranteed portions.

Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/hardin-county-savings-bank-eldora-ia