Hearthside Bank Corp (FDIC #31236): Bank Stress & Real-Estate Credit Exposure
Hearthside Bank Corp (FDIC Cert #31236): bank stress 77/100, severe, STABLE over 7 days; parent HFB FINANCIAL CORP.
Hearthside Bank Corp (#31236) lends in 5 counties across 2 states; Hearthside Bank Corp (#31236) reaches 87 ZIP codes: Tennessee 3 counties, 51 ZIPs; Kentucky 2 counties, 37 ZIPs.
Hearthside Bank Corp (#31236) largest markets: Knox County, TN (31 branches, 31 ZIPs) (#31236), Harlan County, KY (54 branches, 27 ZIPs) (#31236), Bell County, KY (22 branches, 11 ZIPs) (#31236), Campbell County, TN (11 branches, 11 ZIPs) (#31236), Claiborne County, TN (22 branches, 11 ZIPs) (#31236).
Hearthside Bank Corp (#31236) reports $608.9 million in total assets; Hearthside Bank Corp (#31236) equity $55.0 million (9.0% of Hearthside Bank Corp (#31236) assets); Hearthside Bank Corp (#31236) domestic deposits $547.9 million; Hearthside Bank Corp (#31236) net income $2.5 million; Hearthside Bank Corp (#31236) return on assets 0.85%; Hearthside Bank Corp (#31236) return on equity 9.40%; Hearthside Bank Corp (#31236) net interest income $10.8 million; Hearthside Bank Corp (#31236) call report June 30, 2026.
Hearthside Bank Corp (#31236) noncurrent real-estate loans: none reported; Hearthside Bank Corp (#31236) net charge-offs on real estate 0.35%; Hearthside Bank Corp (#31236) multifamily charge-offs 1.79%.
Hearthside Bank Corp (#31236) net interest margin 3.92% against an eight-quarter Hearthside Bank Corp (#31236) average of 3.54% (Hearthside Bank Corp (#31236) compression -0.37 points); Hearthside Bank Corp (#31236) rate-exposure score 40/100, Hearthside Bank Corp (#31236) fixed-rate trap 40/100; Hearthside Bank Corp (#31236) risk type credit driven; Hearthside Bank Corp (#31236) rate regime rates elevated, Hearthside Bank Corp (#31236) snapshot October 20, 2026.
Hearthside Bank Corp (#31236) stress score moved from 76.5 on June 22, 2026 to 76.9 on October 20, 2026; Hearthside Bank Corp (#31236) ranged 76.5 to 76.9 over 117 snapshots.
Hearthside Bank Corp (#31236) alerts: 5 counties; top Hearthside Bank Corp (#31236) alert scores: Harlan County, KY 46 (moderate); Farragut County, KY 25 (low); Jacksboro County, KY 25 (low); New Tazewell County, KY 25 (low); Pineville County, KY 25 (low).