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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 ’244.13%Q2 ’254.29%Q2 ’26-1%+4%

Non-interest income vs. expense

3.02%Q2 ’242.49%Q2 ’252.63%Q2 ’26-17%+8%

Executive Summary

  • Earnings: ROA of 0.82%, up 2 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.42% of loans (+16 bps YoY), with net charge-offs at 0.03%.
  • 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 (quarter, annualized)

0.82%+2 bps YoY

Net Interest Margin (quarter, annualized)

3.34%+13 bps YoY

Efficiency Ratio (quarter, annualized)

70.47%+180 bps YoY

Tier 1 Leverage Ratio

10.21%-5 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.91%1.26%0.71%0.82%+2 bps
Return on Equity10.11%10.89%14.44%8.11%9.62%-48 bps
Net Interest Margin3.21%3.26%3.30%3.21%3.34%+13 bps
Efficiency Ratio68.67%68.65%68.97%76.49%70.47%+180 bps
Non-Interest Burden2.08%2.11%2.11%2.37%2.24%+16 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-0.03%0.25%0.09%0.00%0.03%+6 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