HFB FINANCIAL CORP is the bank holding company. HEARTHSIDE BANK CORPORATION is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

HFB FINANCIAL CORP

Legal name: HFB FINANCIAL CORPORATION

1 active bank · $591M combined assets

RSSD ID: 3066977 (FFIEC NIC)

Combined Assets

$591M

CRA Rating Summary

Satisfactory1charter

Across all 8 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankHEARTHSIDE BANK CORPORATIONMIDDLESBORO, KYSatisfactory$591MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$591M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$530M

Net Income

$1M

ROA (avg)

0.8%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

221

Origination Rate

70.14%

Denial Rate

14.48%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
HEARTHSIDE BANK CORPORATION	MIDDLESBORO, KY	FDIC	$591M	100.0%	Satisfactory	Oct 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.