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The First National Bank of Hartford

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The First National Bank of Hartford Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, The First National Bank of Hartford provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

The First National Bank of Hartford's top rate as of October 14, 2026 is 5.00% APY on checking, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of The First National Bank of Hartford with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.23%. Rates last updated and verified on 10/14/2026.

The First National Bank of Hartford money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at The First National Bank of Hartford? Share your experience about The First National Bank of Hartford by leaving a review below, or read customer reviews before you decide to use The First National Bank of Hartford.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.23%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

The First National Bank of Hartford

101 S 3rd Ave
Hartford, AL 36344

https://www.fnbhartford.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

The First National Bank of Hartford Checking Rates

Product	Rate	APY	View More
Free Kasasa Checking	-	5.00%
Details Featured homepage rate (Relax Into Rewards); qualifications not itemized in source content Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.23%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

The First National Bank of Hartford’s Texas Ratio fell from 11.77% in Q3 2023 to 10.23% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$173M	10.23%	5.0	A
March 31, 2026	$174M	10.93%	5.0	A
December 31, 2025	$169M	10.50%	5.0	A
September 30, 2025	$165M	10.03%	5.0	A
June 30, 2025	$162M	14.13%	5.0	A-
March 31, 2025	$161M	12.84%	5.0	A
December 31, 2024	$157M	14.81%	5.0	A-
September 30, 2024	$157M	9.55%	5.0	A
June 30, 2024	$149M	10.35%	5.0	A
March 31, 2024	$145M	10.35%	5.0	A
December 31, 2023	$147M	10.02%	5.0	A
September 30, 2023	$143M	11.77%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for The First National Bank of Hartford is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather The First National Bank of Hartford rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with The First National Bank of Hartford's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name The First National Bank of Hartford

Website https://www.fnbhartford.com

Address 101 S 3rd Ave, Hartford, AL 36344 · Geneva

Bank Holding Company FIRST HARTFORD BANCSHARES INC

FDIC Certificate # 2804

Regulator OCC

Established January 1, 1905

FDIC Insurance Date January 1, 1934

Domestic Offices 3

Total Branches 3

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.23%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.4254%

Return on Equity (ROE)

12.7100%

Non-Performing Loans Ratio (NPL)

0.66%

Total Assets

$172,993,000

Total Deposits

$152,323,000

Equity Capital

$19,381,000

Net Income

$1,225,000

Headquarters

Hartford

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

The First National Bank of Hartford earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/the-first-national-bank-of-hartford-rates-review-2804">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About The First National Bank of Hartford

How many branches does The First National Bank of Hartford operate?

The First National Bank of Hartford currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, The First National Bank of Hartford does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, The First National Bank of Hartford provides members with tools to manage their accounts and build a solid financial history.

Does The First National Bank of Hartford offer online and mobile banking?

Most modern institutions like The First National Bank of Hartford provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fnbhartford.com.