Harrison County Bank, The
Lost Creek, WV · Cert 9030 · Peer group: banks under $1B in assets (n=581-629) · Harrison Bankshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$164.9MAssets
$82.2MLoans
$150.4MDeposits
$14.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 52% of banks under $1B in assets (rank 279 of 581).
- Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets (rank 553 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.75%
Rank 430 of 629
Net Interest Margin
3.22%
Rank 420 of 629
Efficiency Ratio
73.36%
Rank 402 of 629
Equity / Assets
8.46%
Rank 528 of 629
Non-interest income vs. expense
Unfavorable gap of $3.8M · efficiency ratio beats 36% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | 0.60% | 1.01% | 1.45% | Beats 32% | 430 / 629 | | |
| Return on Equity | 8.91% | 5.38% | 9.30% | 13.28% | Beats 46% | 337 / 629 | | |
| Net Interest Margin | 3.22% | 3.03% | 3.54% | 4.05% | Beats 33% | 420 / 629 | | |
| Efficiency Ratio | 73.36% | 58.35% | 67.79% | 79.08% | Beats 36% | 402 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.09% | 0.46% | 1.20% | Beats 52% | 279 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 51% | 284 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 10.21% | 11.24% | 13.84% | 18.77% | Beats 13% | 546 / 629 | | |
| Total Risk-Based Capital Ratio | 10.21% | 11.58% | 14.43% | 19.66% | Beats 12% | 553 / 629 | | |
| Equity / Assets | 8.46% | 9.09% | 10.65% | 13.80% | Beats 16% | 528 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 54.63% | 67.24% | 80.90% | 93.48% | 14th pctl | 512 / 594 | | |
| Loans / Assets | 49.82% | 53.31% | 67.71% | 78.15% | 21st pctl | 498 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |