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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 $9.8MQ2 2025Q2 2026
Deposit mix
97%Interest-bearing $195.5M3%Noninterest $5.9MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.83%0.87%0.75%1.06%+28 bps
Return on Equity5.76%6.04%6.20%5.01%6.93%+117 bps
Net Interest Margin2.63%2.67%2.76%3.06%3.24%+61 bps
Efficiency Ratio65.57%63.80%62.75%60.43%55.96%-961 bps
Non-Interest Burden1.67%1.64%1.66%1.77%1.73%+5 bps
Growth
Asset Growth (YoY)4.74%2.75%5.86%1.85%-1.76%-650 bps
Loan Growth (YoY)16.77%13.04%20.60%15.21%20.04%+327 bps
Deposit Growth (YoY)6.83%3.98%2.46%-2.17%-6.60%-1,343 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.48%0.47%0.51%0.39%-9 bps
Net Charge-Offs / Loans0.13%0.08%0.06%0.00%0.00%-13 bps
Allowance / Loans0.82%0.84%0.82%0.91%0.93%+11 bps
Allowance Coverage of NPLs1.7x1.7x1.8x1.8x2.4x+0.7x
Capital
Tier 1 Leverage Ratio16.58%16.62%17.07%17.20%17.62%+104 bps
Total Risk-Based Capital16.58%16.62%17.07%17.20%17.62%+104 bps
Equity / Assets13.34%14.25%14.94%15.02%16.13%+279 bps
Liquidity & Funding
Loans / Deposits63.00%65.53%73.14%74.48%80.97%+1,797 bps
Liquid Assets / Assets2.92%3.35%3.30%6.77%2.32%-60 bps
CRE / Total Capitaln/a110.17%130.97%122.64%n/an/a