BlastPoint's Banking Scorecard
The Harrison Building and Loan Association
Designations: ✓ Mutual
Harrison, OH
3 branches across OH
The Harrison Building and Loan Association has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.86% below tier average
- + Delinquency Rate 0.37% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 38.9% in tier
- - Non-Interest-Bearing Deposit Share 18.16% below tier average
- - ROA 0.52% below tier average
- - Net Interest Margin 0.55% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$273.5M
+1.8% YoY
-1.1% QoQ
|
-$112.6M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
41% |
| Total Loans ? |
$151.2M
+15.1% YoY
+0.5% QoQ
|
-$104.5M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
36% |
| Total Deposits ? |
$204.9M
-2.2% YoY
-1.2% QoQ
|
-$123.1M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
36% |
| Return on Assets ? |
0.75%
+7.3% YoY
-13.4% QoQ
|
-0.52% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
23% |
| Net Interest Margin ? |
3.38%
+15.6% YoY
+9.1% QoQ
|
-0.55% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
25% |
| Efficiency Ratio ? |
60.43%
-10.8% YoY
-3.7% QoQ
|
-4.86% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
59% |
| Delinquency Rate ? |
0.52%
-0.5% YoY
+9.4% QoQ
|
-0.37% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
73.80%
+17.6% YoY
+1.7% QoQ
|
-2.84% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
3.86%
+44.4% YoY
+18.3% QoQ
|
-18.16% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 2.7% in tier |
| Nonperforming Asset Ratio ? |
0.29%
+12.4% YoY
+11.2% QoQ
|
-0.35% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
52% |
| Tier 1 Capital Ratio ? |
17.20%
+3.1% YoY
+0.8% QoQ
|
+1.37% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.05%
+106.6% YoY
-72.4% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
20% |
Get Full Access to The Harrison Building and Loan Association
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.