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Letter portraitLegal landscapeQuarterYTD

Harrison County

Nutter Fort, WV · Charter 18254

NCUA · 1 branch

Q2 2026

$15.6MAssets
$6.6MLoans
$12.7MShares
$2.9MNet Worth

Executive Summary

  • Earnings: ROA of 1.05%, up 22 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.14% of loans (+13 bps YoY).
  • Capital: net worth / assets of 18.36%, up 79 bps from a year ago.
  • Funding: loans stand at 52.18% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.05%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.72%+53 bps YoY

Efficiency Ratio (YTD, annualized)

72.30%-271 bps YoY

Net Worth / Assets

18.36%+79 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.76%0.83%0.83%0.99%0.97%1.06%1.05%+22 bps
Return on Equity5.08%4.41%4.73%4.70%5.48%5.28%5.85%5.70%+100 bps
Net Interest Margin3.03%3.09%3.12%3.19%3.33%3.39%3.66%3.72%+53 bps
Efficiency Ratio72.86%76.54%73.74%75.01%71.84%72.89%71.44%72.30%-271 bps
Growth
Asset Growth (YoY)-6.40%-5.51%-6.38%-3.04%-1.76%-1.52%2.89%1.54%+459 bps
Loan Growth (YoY)-9.66%-13.00%-7.77%2.47%16.04%28.53%31.52%28.16%+2,569 bps
Share Growth (YoY)-8.76%-7.93%-8.79%-4.86%-2.94%-2.58%2.67%1.22%+608 bps
Asset Quality
Delinquent Loans / Loans0.10%0.63%0.54%0.01%0.00%0.00%0.00%0.14%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.89%17.12%17.52%17.57%18.04%18.35%18.03%18.36%+79 bps
Net Worth / Assets16.89%17.12%17.52%17.57%18.04%18.35%18.03%18.36%+79 bps
Liquidity & Funding
Loans / Shares37.51%37.25%37.62%41.21%44.84%49.14%48.19%52.18%+1,097 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps