BlastPoint's Banking Scorecard
The Harrison Building and Loan Association
Micro
Specialty: Commercial
OH
FDIC cert 28080
Designations: ✓ Community bank ✓ Mutual
Harrison, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Harrison Building and Loan Association faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 19.13% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$276.5M
+5.9% YoY
+1.0% QoQ
|
+$59.0M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$150.4M
+20.7% YoY
+8.3% QoQ
|
+$11.2M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$207.4M
+2.5% YoY
-3.0% QoQ
|
+$23.7M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
0.87%
-3.8% YoY
+4.4% QoQ
|
-0.22% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
3.10%
+8.5% YoY
+1.5% QoQ
|
-0.76% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
62.75%
-1.9% YoY
-1.6% QoQ
|
-4.97% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
0.47%
-19.2% YoY
-2.2% QoQ
|
-0.17% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
72.54%
+17.8% YoY
+11.6% QoQ
|
-1.99% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
3.27%
+32.0% YoY
-0.9% QoQ
|
-19.13% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.26%
-7.9% YoY
+4.9% QoQ
|
-0.19% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.19%
-53.5% YoY
+38.8% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
3.27%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
67
67th pctile
Total Assets
Current: $276.5M · Tier avg: $217.5M
62
62th pctile
Total Deposits
Current: $207.4M · Tier avg: $183.7M
60
60th pctile
Total Loans
Current: $150.4M · Tier avg: $139.2M
59
59th pctile
Efficiency Ratio
Current: 62.75% · Tier avg: 67.73%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.64%
43
43th pctile
Loan-to-Deposit Ratio
Current: 72.54% · Tier avg: 74.53%
37
37th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.08%
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
19
19th pctile
Net Interest Margin
Current: 3.10% · Tier avg: 3.85%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.27% · Tier avg: 22.39%
Top Weaknesses
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.27% · Tier avg: 22.39%
19
19th pctile
Net Interest Margin
Current: 3.10% · Tier avg: 3.85%
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
37
37th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.08%
43
43th pctile
Loan-to-Deposit Ratio
Current: 72.54% · Tier avg: 74.53%
46
46th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
59
59th pctile
Efficiency Ratio
Current: 62.75% · Tier avg: 67.73%
60
60th pctile
Total Loans
Current: $150.4M · Tier avg: $139.2M
62
62th pctile
Total Deposits
Current: $207.4M · Tier avg: $183.7M
67
67th pctile
Total Assets
Current: $276.5M · Tier avg: $217.5M