Lost Creek, WV · Cert 9030 · Harrison Bankshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.37% | 0.54% | 0.68% | 0.75% | 0.88% | 0.71% | 0.77% | +9 bps | |
| Return on Equity | 4.37% | 4.69% | 6.79% | 8.51% | 9.26% | 10.68% | 8.11% | 8.90% | +38 bps | |
| Net Interest Margin | 3.22% | 3.21% | 3.09% | 3.12% | 3.19% | 3.17% | 3.21% | 3.22% | +11 bps | |
| Efficiency Ratio | 82.26% | 83.71% | 77.45% | 72.92% | 71.47% | 70.80% | 76.49% | 73.36% | +44 bps | |
| Non-Interest Burden | 2.55% | 2.60% | 2.30% | 2.16% | 2.16% | 2.12% | 2.37% | 2.27% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.20% | -3.52% | 0.88% | 3.57% | 4.05% | 9.22% | 7.32% | 8.30% | +473 bps | |
| Loan Growth (YoY) | 2.79% | 1.21% | -0.66% | -1.35% | -2.73% | -2.20% | -0.86% | -0.89% | +47 bps | |
| Deposit Growth (YoY) | -9.44% | -4.88% | 1.26% | 5.72% | 10.94% | 10.75% | 8.13% | 8.55% | +283 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.28% | 0.29% | 0.26% | 0.51% | 0.43% | 0.35% | 0.42% | +16 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.08% | -0.01% | -0.02% | 0.07% | 0.07% | 0.00% | 0.02% | +4 bps | |
| Allowance / Loans | 0.98% | 0.98% | 1.04% | 1.07% | 1.03% | 1.05% | 1.08% | 1.09% | +3 bps | |
| Allowance Coverage of NPLs | 5.4x | 3.5x | 3.6x | 4.1x | 2.0x | 2.4x | 3.1x | 2.6x | -1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.03% | 10.86% | 10.49% | 10.26% | 10.59% | 10.51% | 10.52% | 10.21% | -5 bps | |
| Total Risk-Based Capital | 11.03% | 10.86% | 10.49% | 10.26% | 10.59% | 10.51% | 10.52% | 10.21% | -5 bps | |
| Equity / Assets | 8.51% | 7.94% | 7.98% | 7.91% | 8.74% | 8.75% | 8.63% | 8.46% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.59% | 64.50% | 59.60% | 59.83% | 59.26% | 56.96% | 54.65% | 54.63% | -520 bps | |
| Liquid Assets / Assets | 5.67% | 6.15% | 9.93% | 6.34% | 7.29% | 7.67% | 8.14% | 8.26% | +191 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 114.63% | 118.97% | 114.60% | n/a | n/a | |