BlastPoint's Banking Scorecard
The Harrison County Bank
Micro
Specialty: Other
WV
FDIC cert 9030
Designations: ✓ Community bank
Lost Creek, WV
2498
banks in Micro tier nationally
29 in WV
View Micro leaderboard (WV) →
The Harrison County Bank shows strong momentum with 1 strength and 9.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 32.32% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$158.3M
+9.2% YoY
+2.9% QoQ
|
-$59.2M |
$217.5M
+2.3% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$81.1M
-2.3% YoY
-1.0% QoQ
|
-$58.1M |
$139.2M
+2.8% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$143.8M
+10.8% YoY
+3.0% QoQ
|
-$39.8M |
$183.7M
+1.8% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
0.88%
+139.6% YoY
+17.2% QoQ
|
-0.20% |
1.08%
+14.7% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
3.53%
+4.0% YoY
+0.4% QoQ
|
-0.33% |
3.85%
+6.6% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
70.80%
-15.4% YoY
-0.9% QoQ
|
+3.08% |
67.73%
-4.8% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
0.44%
+53.5% YoY
-15.3% QoQ
|
-0.20% |
0.64%
+24.4% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
56.36%
-11.8% YoY
-3.9% QoQ
|
-18.17% |
74.53%
+0.5% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
54.72%
+19.9% YoY
+1.5% QoQ
|
+32.32% |
22.39%
-1.3% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.22%
+37.3% YoY
-30.8% QoQ
|
-0.23% |
0.45%
+25.1% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.44%
-18.8% YoY
+41.7% QoQ
|
-0.13% |
0.56%
+0.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
54.72%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
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
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 54.72% · Tier avg: 22.39%
61
61th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.64%
44
44th pctile
Total Deposits
Current: $143.8M · Tier avg: $183.7M
40
40th pctile
Total Assets
Current: $158.3M · Tier avg: $217.5M
39
39th pctile
Return on Assets
Current: 0.88% · Tier avg: 1.08%
38
38th pctile
Efficiency Ratio
Current: 70.80% · Tier avg: 67.73%
35
35th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.85%
34
34th pctile
Total Loans
Current: $81.1M · Tier avg: $139.2M
19
19th pctile
Loan-to-Deposit Ratio
Current: 56.36% · Tier avg: 74.53%
Top Weaknesses
19
19th pctile
Loan-to-Deposit Ratio
Current: 56.36% · Tier avg: 74.53%
34
34th pctile
Total Loans
Current: $81.1M · Tier avg: $139.2M
35
35th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.85%
38
38th pctile
Efficiency Ratio
Current: 70.80% · Tier avg: 67.73%
39
39th pctile
Return on Assets
Current: 0.88% · Tier avg: 1.08%
40
40th pctile
Total Assets
Current: $158.3M · Tier avg: $217.5M
44
44th pctile
Total Deposits
Current: $143.8M · Tier avg: $183.7M
48
48th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.45%
61
61th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 54.72% · Tier avg: 22.39%