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
Unfavorable gap of $4.8M · efficiency ratio beats 93% of banks under $1B in assets in the Cincinnati, OH-KY-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.08% | 0.35% | 0.56% | 1.05% | Beats 80% | 3 / 15 | |
| Return on Equity | 6.71% | 1.73% | 4.99% | 6.76% | Beats 67% | 5 / 15 | |
| Net Interest Margin | 3.24% | 2.85% | 3.21% | 3.42% | Beats 53% | 7 / 15 | |
| Efficiency Ratio | 55.96% | 64.82% | 75.45% | 88.43% | Beats 93% | 2 / 15 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.39% | 0.12% | 0.43% | 1.30% | Beats 67% | 6 / 15 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.00% | Beats 100% | 8 / 15 | |
| Capital |
| Tier 1 Capital Ratio | 17.62% | 13.11% | 14.76% | 20.06% | Beats 60% | 6 / 15 | |
| Total Risk-Based Capital Ratio | 17.62% | 14.37% | 15.36% | 20.06% | Beats 60% | 6 / 15 | |
| Equity / Assets | 16.13% | 10.14% | 11.33% | 20.42% | Beats 67% | 5 / 15 | |
| Liquidity & Funding |
| Loans / Deposits | 80.97% | 80.04% | 97.18% | 103.56% | 27th pctl | 11 / 15 | |
| Loans / Assets | 60.84% | 68.16% | 75.18% | 82.63% | 7th pctl | 14 / 15 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |