First Nb of Hartford
Hartford, Alabama · FDIC Cert #2804
This is the FDIC profile for First Nb of Hartford, an FDIC-insured bank (Certificate #2804) with $149M in total assets and $134M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Hartford, Alabama, the bank maintains a Tier 1 capital ratio of 14.32% (Well-Capitalized) and a nonperforming loan ratio of 0.69%. BankHealthData assigns a composite Health Grade of A (88/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Nb of Hartford (FDIC cert 2804) is a community bank — $149M in total assets, $134M in deposits, serving the Hartford, Alabama area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 14.32% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.69% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 31.1% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.52% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. First Nb of Hartford carries a composite BankHealth grade of A (88/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Nb of Hartford
- Total Assets
- $149M
- Total Deposits
- $134M
- Tier 1 Capital Ratio
- 14.32%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.69%
- Liquidity Ratio
- 31.05%
- Return on Assets
- 0.52%
- Headquarters
- Hartford, Alabama
- FDIC Certificate
- #2804
- Health Grade
- A (88/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
First Nb of Hartford files quarterly Call Reports with the FDIC under Certificate #2804. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, First Nb of Hartford holds a Tier 1 capital ratio of 14.32%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Nb of Hartford has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Nb of Hartford shows strong financial health indicators. With $149M in assets and a Health Score of 88/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Nb of Hartford Compares
First Nb of Hartford’s Health Score of 88 is 6 points above the Alabama state average of 82 across 78 FDIC-insured banks. Its 14.32% Tier 1 capital ratio is 0.3 points above the US banking industry average near 14%. The 0.69% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.52% is below the national ROA benchmark of ~1.1%. Among 1362 similarly-sized banks, the average Health Score is 81, meaning this bank ranks above its size cohort. Site-wide, First Nb of Hartford is 8 points above the portfolio average of 80.
Frequently Asked Questions
First Nb of Hartford has a Bank Health Score of A (88/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 14.32%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Nb of Hartford's Tier 1 capital ratio of 14.32% and nonperforming loan ratio of 0.69% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Nb of Hartford is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #2804). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Nb of Hartford holds $149M in total assets and $134M in total deposits. It is headquartered in Hartford, Alabama (FDIC Certificate #2804).
First Nb of Hartford's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #2804 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
First Nb of Hartford has a Tier 1 capital ratio of 14.32%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.69%, and the return on assets is 0.52%.
Yes. First Nb of Hartford is FDIC-insured (Certificate #2804). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Nb of Hartford's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.