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Harrison County Bank, The

Lost Creek, WV · Cert 9030 · Harrison Bankshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$164.9MAssets
$82.2MLoans
$150.4MDeposits
$14.0MEquity
Loan mix
91%RE $73.0M2%C&I $1.7M7%Consumer $5.4MQ2 2025Q2 2026
Deposit mix
47%Interest-bearing $71.4M53%Noninterest $79.0MQ2 2025Q2 2026

NIM

4.06%Q2 ’244.02%Q2 ’254.15%Q2 ’26-2%+3%

Non-interest income vs. expense

3.03%Q2 ’242.56%Q2 ’252.64%Q2 ’26-14%+5%

Executive Summary

  • Earnings: ROA of 0.77%, up 9 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.42% of loans (+16 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.21%, down 5 bps from a year ago.
  • Funding: loans stand at 54.63% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.77%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+11 bps YoY

Efficiency Ratio (YTD, annualized)

73.36%+44 bps YoY

Tier 1 Leverage Ratio

10.21%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.75%0.88%0.71%0.77%+9 bps
Return on Equity8.51%9.26%10.68%8.11%8.90%+38 bps
Net Interest Margin3.12%3.19%3.17%3.21%3.22%+11 bps
Efficiency Ratio72.92%71.47%70.80%76.49%73.36%+44 bps
Non-Interest Burden2.16%2.16%2.12%2.37%2.27%+10 bps
Growth
Asset Growth (YoY)3.57%4.05%9.22%7.32%8.30%+473 bps
Loan Growth (YoY)-1.35%-2.73%-2.20%-0.86%-0.89%+47 bps
Deposit Growth (YoY)5.72%10.94%10.75%8.13%8.55%+283 bps
Asset Quality
Nonperforming Loans / Loans0.26%0.51%0.43%0.35%0.42%+16 bps
Net Charge-Offs / Loans-0.02%0.07%0.07%0.00%0.02%+4 bps
Allowance / Loans1.07%1.03%1.05%1.08%1.09%+3 bps
Allowance Coverage of NPLs4.1x2.0x2.4x3.1x2.6x-1.5x
Capital
Tier 1 Leverage Ratio10.26%10.59%10.51%10.52%10.21%-5 bps
Total Risk-Based Capital10.26%10.59%10.51%10.52%10.21%-5 bps
Equity / Assets7.91%8.74%8.75%8.63%8.46%+55 bps
Liquidity & Funding
Loans / Deposits59.83%59.26%56.96%54.65%54.63%-520 bps
Liquid Assets / Assets6.34%7.29%7.67%8.14%8.26%+191 bps
CRE / Total Capitaln/a114.63%118.97%114.60%n/an/a