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Harrison Building and Loan Association, The

Harrison, OH · Cert 28080

SL · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Cincinnati, OH-KY-IN area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

62

Q2 2024Q2 2026peer median (50)

Asset Quality

84

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

13

Q2 2024Q2 2026peer median

Efficiency

93

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Harrison Building and Loan Association, The

Harrison, OH · Cert 28080

SL · FDIC · 3 branches

Q2 2026

$268.0MAssets
$163.1MLoans
$201.4MDeposits
$43.2MEquity
Loan mix
85%RE $130.0M8%C&I $12.2M6%Consumer $9.8MQ3 2024Q2 2026
Deposit mix
97%Interest-bearing $195.5M3%Noninterest $5.9MQ3 2024Q2 2026

Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.1% share · #31 of 54 inst. · $0.2B of $187.5B

0.1% Hamilton
0.2% Butler

Executive Summary

  • Earnings: ROA of 1.06%, up 28 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.39% of loans (-9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 17.62%, up 104 bps from a year ago.
  • Funding: loans stand at 80.97% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.06%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.24%+61 bps YoY

Efficiency Ratio (YTD, annualized)

55.96%-961 bps YoY

Tier 1 Leverage Ratio

17.62%+104 bps YoY

NIM

4.23%Q2 ’244.36%Q2 ’254.83%Q2 ’26+4%+23%

Non-interest income vs. expense

1.90%Q2 ’241.83%Q2 ’251.93%Q2 ’26+35%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%0.90%0.70%0.78%0.83%0.87%0.75%1.06%+28 bps
Return on Equity7.96%6.59%5.12%5.76%6.04%6.20%5.01%6.93%+117 bps
Net Interest Margin2.55%2.56%2.58%2.63%2.67%2.76%3.06%3.24%+61 bps
Efficiency Ratio62.21%64.00%67.71%65.57%63.80%62.75%60.43%55.96%-961 bps
Non-Interest Burden1.40%1.50%1.72%1.67%1.64%1.66%1.77%1.73%+5 bps
Growth
Asset Growth (YoY)5.55%-0.05%2.30%4.74%2.75%5.86%1.85%-1.76%-650 bps
Loan Growth (YoY)5.69%4.32%11.55%16.77%13.04%20.60%15.21%20.04%+327 bps
Deposit Growth (YoY)1.65%-0.38%2.34%6.83%3.98%2.46%-2.17%-6.60%-1,343 bps
Asset Quality
Nonperforming Loans / Loans0.58%0.58%0.52%0.49%0.48%0.47%0.51%0.39%-9 bps
Net Charge-Offs / Loans0.00%0.00%0.26%0.13%0.08%0.06%0.00%0.00%-13 bps
Allowance / Loans0.80%0.88%0.80%0.82%0.84%0.82%0.91%0.93%+11 bps
Allowance Coverage of NPLs1.4x1.5x1.5x1.7x1.7x1.8x1.8x2.4x+0.7x
Capital
Tier 1 Leverage Ratio16.66%16.76%16.68%16.58%16.62%17.07%17.20%17.62%+104 bps
Total Risk-Based Capital16.66%16.76%16.68%16.58%16.62%17.07%17.20%17.62%+104 bps
Equity / Assets14.16%13.82%13.51%13.34%14.25%14.94%15.02%16.13%+279 bps
Liquidity & Funding
Loans / Deposits60.27%62.14%63.24%63.00%65.53%73.14%74.48%80.97%+1,797 bps
Liquid Assets / Assets3.56%0.54%1.91%2.92%3.35%3.30%6.77%2.32%-60 bps
CRE / Total Capitaln/an/an/an/a110.17%130.97%122.64%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Harrison Building and Loan Association, The

Harrison, OH · Cert 28080 · Peer group: banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=15)

SL · FDIC · 3 branches

Q2 2026

$268.0MAssets
$163.1MLoans
$201.4MDeposits
$43.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 8 of 15).
  • Widest gap: net interest margin trails 47% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 7 of 15).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.08%

Rank 3 of 15

Net Interest Margin

3.24%

Rank 7 of 15

Efficiency Ratio

55.96%

Rank 2 of 15

Equity / Assets

16.13%

Rank 5 of 15

Non-interest income vs. expense

$0.6M$5.4MINCOMEEXPENSE
Unfavorable gap of $4.8M · efficiency ratio beats 93% of banks under $1B in assets in the Cincinnati, OH-KY-IN area
Bank 55.96%Peer median 75.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.08%0.35%0.56%1.05%Beats 80%3 / 15
Return on Equity6.71%1.73%4.99%6.76%Beats 67%5 / 15
Net Interest Margin3.24%2.85%3.21%3.42%Beats 53%7 / 15
Efficiency Ratio55.96%64.82%75.45%88.43%Beats 93%2 / 15
Asset Quality
Nonperforming Loans / Loans0.39%0.12%0.43%1.30%Beats 67%6 / 15
Net Charge-Offs / Loans0.00%n/a0.00%0.00%Beats 100%8 / 15
Capital
Tier 1 Capital Ratio17.62%13.11%14.76%20.06%Beats 60%6 / 15
Total Risk-Based Capital Ratio17.62%14.37%15.36%20.06%Beats 60%6 / 15
Equity / Assets16.13%10.14%11.33%20.42%Beats 67%5 / 15
Liquidity & Funding
Loans / Deposits80.97%80.04%97.18%103.56%27th pctl11 / 15
Loans / Assets60.84%68.16%75.18%82.63%7th pctl14 / 15
Brokered Deposits / Depositsn/aNot reported for this institution