Bank · FDIC insured
Hardin County Savings Bank
A $402.3M bank headquartered in Eldora, IA, with 2 branches in Iowa. Best rates: savings 0.25% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: published rates need another account or activity, so they are not scored. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- Savings750.30%0.75% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Hardin County Savings Bank
Hardin County Savings Bank is a locally owned community bank founded in 1868 in Iowa.
The bank serves Eldora, Union, and surrounding communities, specializing in rural community needs and agricultural business lending.
- Headquarters
- 1202 Edgington Ave, Eldora, IA 50627
- FDIC certificate
- 5817 ↗
Branches
2 branches in Iowa
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Iowa
2 branches
Eldora area · 1
- Hardin County Savings BankMain office1202 Edgington Ave, Eldora, IA 50627Directions
Union area · 1
- Union Main Branch204 Center St, Union, IA 50258Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.79% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.25% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.17% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $77 | $81 | — |
- CapitalLeverage ratio9.79%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.25%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.17%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$77Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Hardin County Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.