The Harrison County Bank

Lost Creek, WV · FDIC Certificate #9030 · Chartered 02/0

Total assets

$164.94M

Total deposits

$150.40M

Total equity

$13.96M

Net loans

$81.27M

Branches (offices)

Net income (YTD)

$622.00K

Rank: #3,202 of 4,213 U.S. banks by assets · #31 of 41 in West Virginia. Assets changed 8.3% and deposits 8.5% over the year to June 30, 2026.

Key ratios

Return on assets (YTD, annualized by FDIC)	0.77%
Return on equity	8.90%
Net interest margin (YTD)	3.51%
Equity to assets	8.46%
Tier 1 leverage ratio	10.21%
Uninsured deposits (share of deposits)	14.2%
Noncurrent loans (share of loans)	0.42%
Net charge-offs (share of loans)	0.02%
Loans to deposits	54.0%
Real estate loans (share of loans)	90.5%

Loan mix

Category	Amount	Share
Real estate loans	$73.58M	90.5%
Commercial & industrial	$1.58M	1.9%
Consumer / individual	$5.48M	6.7%
Construction & development	$683.00K	0.8%
Agricultural	$984.00K	1.2%

Five-year trend (June snapshots)

Period	Total assets	Deposits	Net income (year to date)	Equity / net worth
Jun 2022	$158.02M	$147.57M	$635.00K	$9.86M
Jun 2023	$152.65M	$140.31M	$745.00K	$10.48M
Jun 2024	$147.06M	$131.06M	$256.00K	$11.26M
Jun 2025	$152.30M	$138.56M	$507.00K	$12.04M
Jun 2026	$164.94M	$150.40M	$622.00K	$13.96M

Where its branch deposits sit (FDIC Summary of Deposits)

State	Branch deposits	Offices
West Virginia	$150.40M	4

Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $150.40M.

Similar-sized banks

State Bank & Trust Company ($165.09M) · Northwestern Bank, National Association ($164.73M)

Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.