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First Harrison Bank

$1B-$10B Specialty: Commercial IN FDIC cert 31223

Designations: ✓ Community bank

Corydon, IN

17 branches across IN · KY

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 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in IN.
  • Deposits +2.3% year over year ($1.1B on the books).
  • Delinquency rate 0.73%.
  • Return on assets 1.42%.
  • Efficiency ratio 55.54% vs a 59.73% peer average.
  • Loan-to-deposit ratio 58.73% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 16 in IN
View $1B-$10B leaderboard (IN) →

First Harrison Bank has 2 strengths but faces 2 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 4.19% below tier average
  • + Delinquency Rate 0.13% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 9.0% in tier
  • - Capital Thin: Bottom 40.1% in tier
Get updates when First Harrison Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $1.3B
+3.8% YoY +0.5% QoQ
-$1.5B $2.8B
-0.6% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
22%
Total Loans ? $669.4M
+2.9% YoY +0.6% QoQ
-$1.3B $2.0B
-0.3% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
Bottom 6.7% in tier
Total Deposits ? $1.1B
+2.3% YoY +0.0% QoQ
-$1.2B $2.3B
-0.5% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
26%
Return on Assets ? 1.42%
+18.9% YoY +5.9% QoQ
+0.03% 1.39%
+17.0% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
64%
Net Interest Margin ? 3.90%
+11.2% YoY +2.5% QoQ
+0.03% 3.87%
+6.2% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
62%
Efficiency Ratio ? 55.54%
-7.1% YoY -2.6% QoQ
-4.19% 59.73%
-12.6% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
61%
Delinquency Rate ? 0.73%
+19.3% YoY +21.3% QoQ
-0.13% 0.87%
+11.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
38%
Loan-to-Deposit Ratio ? 58.73%
+0.5% YoY +0.6% QoQ
-26.31% 85.04%
-0.1% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
Top 6.6% in tier
Non-Interest-Bearing Deposit Share ? 19.27%
+2.5% YoY +0.0% QoQ
-2.00% 21.27%
-1.5% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
47%
Nonperforming Asset Ratio ? 0.38%
+18.2% YoY +21.6% QoQ
-0.29% 0.67%
+11.7% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
54%
Tier 1 Capital Ratio ? 11.33%
+4.9% YoY +1.8% QoQ
-3.51% 14.84%
-0.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
23%
Non-Interest Income / Assets ? 0.31%
-0.8% YoY +106.9% QoQ
-0.21% 0.53%
+2.5% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
55%

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 (IN) National Avg Tier Percentile
Noninterest-Bearing 19.3%
+0.5pp YoY
0.0pp QoQ
 -2.1pp 21.4% 16.8% 22.2% 46%
Brokered Deposits n/a n/a 9.5% 7.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 9.9%
0.0pp YoY
0.0pp QoQ
 -4.1pp 14.0% 11.1% 12.5% 44%
CRE 49.1%
+0.5pp YoY
-1.0pp QoQ
 -0.9pp 50.0% 36.2% 41.4% 47%
1-4 Family 33.4%
+0.2pp YoY
+1.0pp QoQ
 +7.0pp 26.4% 40.0% 31.3% 72%
Consumer 6.3%
-0.5pp YoY
-0.1pp QoQ
 +1.6pp 4.7% 3.2% 5.0% 84%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 17.5% 19.7% n/a
Leverage Ratio 11.3%
+0.5pp YoY
+0.2pp QoQ
 0.0pp 11.3% 13.0% 12.6% 66%
Total Capital Ratio n/a n/a 16.7% 18.7% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 201
+8 (+4.1%) YoY
+9 (+4.7%) QoQ
 -113 313 237 482 42%
Assets per Employee ($) $6.4M
-0.3% YoY
-4.0% QoQ
 -$4.1M $10.5M $7.5M $8.8M 16%
Branch Count 17
0 YoY
0 QoQ
 -3 20 17 18 57%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.2% 0.4% n/a
Nonaccrual 0.7%
+0.1pp YoY
+0.1pp QoQ
 -0.1pp 0.8% 0.8% 1.0% 64%
Allowance Coverage 2.18x
-10.2% YoY
-15.2% QoQ
 -16.53x 18.71x 6.71x 20.23x 52%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 54%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 13.5%
+0.9pp YoY
+0.7pp QoQ
 +0.9pp 12.6% 11.2% 11.6% 61%
Cost of Funds (YTD) 1.2%
-0.1pp YoY
0.0pp QoQ
 -0.7pp 1.9% 1.8% 1.7% 9%
Net Income ($, YTD) $9.1M
+25.5% YoY
— QoQ
 -$10.2M $19.2M $16.3M $40.4M 35%

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)

Credit Risk Growth

risk
#37 of 402 • Bottom 9.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

Capital Thin

risk
#90 of 222 • Bottom 40.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.33%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | 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 885 peers in $1B-$10B

Top Strengths (1 metrics)

59
Loan-to-Deposit Ratio
liquidity
Value: 58.73%
Peer Median: 85.04%
#59 of 885 Top 6.6% in $1B-$10B

Top Weaknesses (3 metrics)

827
Total Loans
size
Value: $669.45M
Peer Median: $1.96B
#827 of 885 Bottom 6.7% in $1B-$10B
692
Total Assets
size
Value: $1.29B
Peer Median: $2.79B
#692 of 885 Bottom 21.9% in $1B-$10B
685
Tier 1 Capital Ratio
capital
Value: 11.33%
Peer Median: 14.84%
#685 of 885 Bottom 22.7% in $1B-$10B
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