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The Harrison Building and Loan Association

$100M-$1B Specialty: Commercial OH FDIC cert 28080

Designations: ✓ Mutual

Harrison, OH

3 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits -6.6% year over year ($201.4M on the books).
  • Delinquency rate 0.39%.
  • Return on assets 1.06%.
  • Efficiency ratio 55.96% vs a 64.48% peer average.
  • Loan-to-deposit ratio 80.21% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

The Harrison Building and Loan Association has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 8.51% below tier average
  • + Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 12.0% in tier
  • - Flatlined Growth: Bottom 19.8% in tier
  • - Non-Interest-Bearing Deposit Share 19.10% below tier average
  • - ROA 0.26% below tier average
  • - Net Interest Margin 0.39% below tier average
Get updates when The Harrison Building and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $268.0M
-1.8% YoY -2.0% QoQ
-$118.5M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
40%
Total Loans ? $161.5M
+19.9% YoY +6.8% QoQ
-$96.8M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
38%
Total Deposits ? $201.4M
-6.6% YoY -1.7% QoQ
-$125.4M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
34%
Return on Assets ? 1.06%
+36.4% YoY +41.8% QoQ
-0.26% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
38%
Net Interest Margin ? 3.60%
+19.8% YoY +6.5% QoQ
-0.39% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
32%
Efficiency Ratio ? 55.96%
-14.7% YoY -7.4% QoQ
-8.51% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
69%
Delinquency Rate ? 0.39%
-19.4% YoY -23.8% QoQ
-0.52% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
51%
Loan-to-Deposit Ratio ? 80.21%
+28.4% YoY +8.7% QoQ
+2.26% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
49%
Non-Interest-Bearing Deposit Share ? 2.93%
-18.5% YoY -24.2% QoQ
-19.10% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 2.1% in tier
Nonperforming Asset Ratio ? 0.24%
-1.6% YoY -17.0% QoQ
-0.43% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
57%
Tier 1 Capital Ratio ? 17.62%
+6.3% YoY +2.4% QoQ
+1.71% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
80%
Non-Interest Income / Assets ? 0.11%
+34.2% YoY +107.0% QoQ
-0.46% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
21%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 2.9%
-0.7pp YoY
-0.9pp QoQ
 -19.2pp 22.1% 18.8% 22.2% 2%
Brokered Deposits n/a n/a 7.9% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 8.4%
+1.8pp YoY
+0.3pp QoQ
 -3.2pp 11.6% 10.2% 12.5% 43%
CRE 42.0%
+6.2pp YoY
+2.7pp QoQ
 +2.5pp 39.5% 34.2% 41.4% 57%
1-4 Family 42.6%
-5.2pp YoY
-2.1pp QoQ
 +10.0pp 32.6% 50.0% 31.3% 74%
Consumer 5.8%
-1.9pp YoY
-0.7pp QoQ
 +1.7pp 4.1% 4.7% 5.0% 81%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.1% 19.7% n/a
Leverage Ratio 17.6%
+1.0pp YoY
+0.4pp QoQ
 +5.5pp 12.2% 12.9% 12.6% 94%
Total Capital Ratio n/a n/a 19.9% 23.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 34
+1 (+3.0%) YoY
0 QoQ
 -25 58 2,433 482 33%
Assets per Employee ($) $7.9M
-4.7% YoY
-2.0% QoQ
 +$365K $7.5M $7.6M $8.8M 66%
Branch Count 3
0 YoY
0 QoQ
 -2 4 81 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.2% 0.4% 48%
Nonaccrual 0.3%
-0.1pp YoY
-0.2pp QoQ
 -0.6pp 0.9% 0.6% 1.0% 39%
Allowance Coverage 2.39x
+41.0% YoY
+34.9% QoQ
 -21.77x 24.15x 18.95x 20.23x 52%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 6.9%
+1.2pp YoY
+1.9pp QoQ
 -5.3pp 12.2% 9.7% 11.6% 20%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.7% 1.7% 55%
Net Income ($, YTD) $1.5M
+39.0% YoY
— QoQ
 -$1.1M $2.6M $259.3M $40.4M 40%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Deposit Outflow

decline
#65 of 535 • Bottom 12.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#106 of 529 • Bottom 19.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.06%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

540
Tier 1 Capital Ratio
capital
Value: 17.62%
Peer Median: 15.91%
#540 of 2643 Top 20.4% in $100M-$1B

Top Weaknesses (2 metrics)

2589
Non-Interest-Bearing Deposit Share
funding
Value: 2.93%
Peer Median: 22.03%
#2589 of 2643 Bottom 2.1% in $100M-$1B
2101
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2101 of 2643 Bottom 20.5% in $100M-$1B
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