KY lenders / Community Bank
Hart County Bank and Trust Company
Community Bank · Munfordville, KY · Hart Bancshares Inc
- Total assets
- $24.0M
- CRE loan book
- $7.8M
- QoQ CRE growth
- -3.6%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.28% as of Q1 2026 — TX bank median 4.87% (1.41pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.28% | 5.49% |
| Q4 2025 | 5.89% | 6.04% |
| Q3 2025 | 6.11% | 5.63% |
| Q2 2025 | 5.02% | 5.44% |
| Q1 2025 | 4.98% | 5.09% |
| Q4 2024 | 5.90% | 4.32% |
| Q3 2024 | 8.11% | 5.34% |
| Q2 2024 | 5.57% | 5.15% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $7.8M | $0 | $0 | 67% | $0 |
| Q4 2025 | $8.1M | $0 | $0 | 60% | $0 |
| Q3 2025 | $7.9M | $0 | $0 | 58% | $0 |
| Q2 2025 | $6.9M | $0 | $0 | 43% | $0 |
| Q1 2025 | $5.8M | $0 | $0 | 34% | $0 |
| Q4 2024 | $5.2M | $0 | $0 | 26% | $0 |
| Q3 2024 | $6.1M | $0 | $0 | 26% | $0 |
| Q2 2024 | $6.2M | $0 | $0 | 26% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Gala BankCommunity Bank · Ocala · $7.8M CRE book
- Pointwest BankCommunity Bank · West · $7.9M CRE book
- Federation BankCommunity Bank · Washington · $7.7M CRE book
- The First National Bank in FalfurriasCommunity Bank · Falfurrias · $7.6M CRE book
- Citizens Savings BankCommunity Bank · Marshalltown · $7.9M CRE book
See all alternatives to Hart County Bank and Trust Company →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.