BlastPoint's Banking Scorecard
The Harrison County Bank
Lost Creek, WV
4 branches across WV
The Harrison County Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 31.60% above tier average
- + Delinquency Rate 0.53% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 21.9% in tier
- - ROA 0.56% below tier average
- - Net Interest Margin 0.52% below tier average
- - Efficiency Ratio 11.20% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$163.8M
+7.3% YoY
+3.5% QoQ
|
-$222.3M |
$386.1M
+0.5% YoY
|
$1.2B
+2.9% YoY
|
$6.2B
+9.1% YoY
|
18% |
| Total Loans ? |
$80.6M
-0.9% YoY
-0.6% QoQ
|
-$175.1M |
$255.7M
+1.1% YoY
|
$864.0M
+4.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 11.4% in tier |
| Total Deposits ? |
$149.1M
+8.1% YoY
+3.7% QoQ
|
-$178.9M |
$328.0M
+0.1% YoY
|
$1.0B
+3.7% YoY
|
$4.8B
+8.2% YoY
|
21% |
| Return on Assets ? |
0.71%
+30.5% YoY
-20.2% QoQ
|
-0.56% |
1.27%
+12.9% YoY
|
0.95%
+29.1% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
3.41%
-0.2% YoY
-3.2% QoQ
|
-0.52% |
3.93%
+6.0% YoY
|
3.79%
+9.5% YoY
|
3.89%
+5.7% YoY
|
27% |
| Efficiency Ratio ? |
76.49%
-1.2% YoY
+8.0% QoQ
|
+11.20% |
65.29%
-4.5% YoY
|
70.57%
-7.5% YoY
|
66.95%
-4.1% YoY
|
20% |
| Delinquency Rate ? |
0.35%
+22.4% YoY
-19.0% QoQ
|
-0.53% |
0.89%
+18.8% YoY
|
0.74%
+24.2% YoY
|
0.95%
+18.8% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
54.06%
-8.4% YoY
-4.1% QoQ
|
-22.58% |
76.64%
+0.8% YoY
|
78.35%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Top 12.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
53.62%
-9.9% YoY
-2.0% QoQ
|
+31.60% |
22.02%
-1.0% YoY
|
26.63%
-0.0% YoY
|
22.01%
-1.2% YoY
|
Top 1.2% in tier |
| Nonperforming Asset Ratio ? |
0.17%
+13.0% YoY
-22.2% QoQ
|
-0.46% |
0.64%
+19.7% YoY
|
0.57%
+21.1% YoY
|
0.67%
+19.3% YoY
|
62% |
| Tier 1 Capital Ratio ? |
10.52%
+0.3% YoY
+0.1% QoQ
|
-5.31% |
15.83%
+1.5% YoY
|
14.22%
+0.9% YoY
|
17.06%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.09%
-11.1% YoY
-79.4% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.14%
-2.1% YoY
|
0.32%
+4.1% YoY
|
46% |
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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)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.