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The Harrison County Bank

$100M-$1B Specialty: Other WV FDIC cert 9030

Lost Creek, WV

4 branches across WV

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 32 in WV.
  • Deposits +8.5% year over year ($150.4M on the books).
  • Delinquency rate 0.43%.
  • Return on assets 0.77%.
  • Efficiency ratio 73.36% vs a 64.48% peer average.
  • Loan-to-deposit ratio 54.04% 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 32 in WV
View $100M-$1B leaderboard (WV) →

The Harrison County Bank has 2 strengths but faces 4 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

  • + Non-Interest-Bearing Deposit Share 30.51% above tier average
  • + Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 33.1% in tier
  • - ROA 0.56% below tier average
  • - Net Interest Margin 0.48% below tier average
  • - Efficiency Ratio 8.88% above tier average
Get updates when The Harrison County Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Total Assets ? $164.9M
+8.3% YoY +0.7% QoQ
-$221.6M $386.6M
+1.2% YoY
$1.3B
+5.7% YoY
$6.3B
+7.7% YoY
18%
Total Loans ? $81.3M
-0.9% YoY +0.8% QoQ
-$177.1M $258.3M
+1.7% YoY
$899.3M
+7.6% YoY
$3.2B
+9.4% YoY
Bottom 11.1% in tier
Total Deposits ? $150.4M
+8.5% YoY +0.9% QoQ
-$176.3M $326.7M
+0.7% YoY
$1.1B
+6.2% YoY
$4.9B
+7.3% YoY
22%
Return on Assets ? 0.77%
+13.3% YoY +8.6% QoQ
-0.56% 1.32%
+10.8% YoY
1.06%
+30.6% YoY
1.30%
+12.1% YoY
22%
Net Interest Margin ? 3.51%
+0.2% YoY +2.8% QoQ
-0.48% 3.99%
+5.0% YoY
3.90%
+8.7% YoY
3.95%
+4.9% YoY
28%
Efficiency Ratio ? 73.36%
+0.6% YoY -4.1% QoQ
+8.88% 64.48%
-3.2% YoY
68.34%
-7.3% YoY
70.05%
+2.5% YoY
23%
Delinquency Rate ? 0.43%
+61.7% YoY +20.4% QoQ
-0.49% 0.92%
+15.7% YoY
0.74%
+17.9% YoY
0.98%
+16.3% YoY
50%
Loan-to-Deposit Ratio ? 54.04%
-8.7% YoY -0.0% QoQ
-23.92% 77.95%
+1.0% YoY
79.72%
+2.0% YoY
79.03%
+2.3% YoY
Top 11.7% in tier
Non-Interest-Bearing Deposit Share ? 52.54%
-12.0% YoY -2.0% QoQ
+30.51% 22.03%
-0.6% YoY
26.43%
-1.4% YoY
21.98%
-0.6% YoY
Top 1.3% in tier
Nonperforming Asset Ratio ? 0.21%
+47.9% YoY +20.6% QoQ
-0.46% 0.67%
+16.4% YoY
0.55%
+10.4% YoY
0.69%
+15.8% YoY
60%
Tier 1 Capital Ratio ? 10.21%
-0.4% YoY -3.0% QoQ
-5.70% 15.91%
+1.4% YoY
14.02%
-0.7% YoY
17.09%
+0.8% YoY
Bottom 13.1% in tier
Non-Interest Income / Assets ? 0.19%
-9.1% YoY +110.8% QoQ
-0.38% 0.57%
+7.6% YoY
0.30%
+5.9% YoY
0.66%
+5.2% YoY
46%

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 (WV) National Avg Tier Percentile
Noninterest-Bearing 52.5%
-7.2pp YoY
-1.1pp QoQ
 +30.4pp 22.1% 27.1% 22.2% 99%
Brokered Deposits n/a n/a 7.9% 3.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
C&I 1.9%
-0.2pp YoY
-0.2pp QoQ
 -9.6pp 11.6% 7.1% 12.5% 6%
CRE n/a n/a 39.5% 33.8% 41.4% n/a
1-4 Family 65.6%
-0.9pp YoY
+0.3pp QoQ
 +32.9pp 32.6% 52.8% 31.3% 92%
Consumer 6.7%
+0.3pp YoY
+0.1pp QoQ
 +2.6pp 4.1% 7.9% 5.0% 85%

Capital

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.1% 19.7% n/a
Leverage Ratio 10.2%
0.0pp YoY
-0.3pp QoQ
 -2.0pp 12.2% 11.6% 12.6% 36%
Total Capital Ratio n/a n/a 19.9% 18.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Full-Time Employees 31
+3 (+10.7%) YoY
+1 (+3.3%) QoQ
 -28 58 161 482 28%
Assets per Employee ($) $5.3M
-2.2% YoY
-2.6% QoQ
 -$2.2M $7.5M $6.1M $8.8M 19%
Branch Count 4
0 YoY
0 QoQ
 -1 4 13 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Past Due 90+ Days 0.4%
+0.2pp YoY
+0.1pp QoQ
 +0.1pp 0.3% 0.1% 0.4% 80%
Nonaccrual n/a n/a 0.9% 0.7% 1.0% n/a
Allowance Coverage 2.59x
-36.6% YoY
-16.1% QoQ
 -21.56x 24.15x 6.60x 20.23x 55%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 51%

Profitability

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
ROE 8.9%
+0.4pp YoY
+0.8pp QoQ
 -3.3pp 12.2% 10.6% 11.6% 30%
Cost of Funds (YTD) 1.0%
0.0pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.5% 1.7% 11%
Net Income ($, YTD) $622,000
+22.7% YoY
— QoQ
 -$1.9M $2.6M $9.0M $40.4M 14%

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 (1)

Credit Quality Pressure

risk
#417 of 1256 • Bottom 33.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.43%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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 (2 metrics)

35
Non-Interest-Bearing Deposit Share
funding
Value: 52.54%
Peer Median: 22.03%
#35 of 2643 Top 1.3% in $100M-$1B
309
Loan-to-Deposit Ratio
liquidity
Value: 54.04%
Peer Median: 77.95%
#309 of 2643 Top 11.7% in $100M-$1B

Top Weaknesses (6 metrics)

2351
Total Loans
size
Value: $81.27M
Peer Median: $258.35M
#2351 of 2643 Bottom 11.1% in $100M-$1B
2299
Tier 1 Capital Ratio
capital
Value: 10.21%
Peer Median: 15.91%
#2299 of 2643 Bottom 13.1% in $100M-$1B
2167
Total Assets
size
Value: $164.94M
Peer Median: $386.57M
#2167 of 2643 Bottom 18.0% in $100M-$1B
2075
Return on Assets
profitability
Value: 0.77%
Peer Median: 1.32%
#2075 of 2643 Bottom 21.5% in $100M-$1B
2071
Total Deposits
size
Value: $150.40M
Peer Median: $326.73M
#2071 of 2643 Bottom 21.7% in $100M-$1B
2037
Efficiency Ratio
profitability
Value: 73.36%
Peer Median: 64.48%
#2037 of 2643 Bottom 23.0% in $100M-$1B
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