BlastPoint's Banking Scorecard
First Harrison Bank
Designations: ✓ Community bank
Corydon, IN
17 branches across IN · KY
First Harrison Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.03% below tier average
- + Delinquency Rate 0.28% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 47.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+5.7% YoY
+0.9% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$2.5B
+12.1% YoY
|
$6.2B
+9.1% YoY
|
22% |
| Total Loans ? |
$665.2M
+3.4% YoY
+1.5% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$1.7B
+14.1% YoY
|
$3.2B
+10.8% YoY
|
Bottom 7.1% in tier |
| Total Deposits ? |
$1.1B
+4.8% YoY
+1.2% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$2.0B
+11.8% YoY
|
$4.8B
+8.2% YoY
|
26% |
| Return on Assets ? |
1.34%
+21.3% YoY
-0.9% QoQ
|
-0.02% |
1.37%
+19.6% YoY
|
0.81%
-6.6% YoY
|
1.23%
+13.4% YoY
|
61% |
| Net Interest Margin ? |
3.80%
+11.8% YoY
+4.3% QoQ
|
-0.02% |
3.82%
+6.9% YoY
|
3.60%
+8.5% YoY
|
3.89%
+5.7% YoY
|
60% |
| Efficiency Ratio ? |
57.03%
-6.8% YoY
-0.4% QoQ
|
-4.03% |
61.06%
-4.6% YoY
|
105.71%
+27.0% YoY
|
66.95%
-4.1% YoY
|
58% |
| Delinquency Rate ? |
0.61%
-4.8% YoY
-8.7% QoQ
|
-0.28% |
0.89%
+14.1% YoY
|
0.90%
+15.9% YoY
|
0.95%
+18.8% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
58.35%
-1.3% YoY
+0.2% QoQ
|
-25.85% |
84.20%
+0.3% YoY
|
81.10%
+0.7% YoY
|
76.70%
+0.9% YoY
|
Top 6.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.27%
+2.4% YoY
-1.7% QoQ
|
-2.02% |
21.29%
-2.5% YoY
|
17.15%
-0.9% YoY
|
22.01%
-1.2% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.31%
-6.9% YoY
-8.3% QoQ
|
-0.36% |
0.67%
+15.6% YoY
|
0.67%
+21.6% YoY
|
0.67%
+19.3% YoY
|
61% |
| Tier 1 Capital Ratio ? |
11.13%
+4.9% YoY
+1.0% QoQ
|
-4.03% |
15.16%
+2.0% YoY
|
16.04%
+1.8% YoY
|
17.06%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.15%
-1.7% YoY
-76.9% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.79%
-14.5% YoY
|
0.32%
+4.1% YoY
|
54% |
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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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.