| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +4.4% | +3.9 pts |
| Deposit growth (YoY) | +8.6% | +4.0% | +4.6 pts |
| Loan growth (YoY) | -0.9% | +5.6% | -6.5 pts |
| ROA | 0.77% | 1.24% | -0.5 pts |
| ROE | 8.9% | 11.9% | -3.0 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $164.9M | $150.4M | $81.3M | $14.0M | $622K | 0.77% | 3.51% | 0.21% |
| Q1 2026 | $163.8M | $149.1M | $80.6M | $14.1M | $284K | 0.71% | 3.41% | 0.17% |
| Q4 2025 | $158.3M | $143.8M | $81.1M | $13.9M | $1.3M | 0.88% | 3.53% | 0.22% |
| Q3 2025 | $153.9M | $139.6M | $81.9M | $13.4M | $854K | 0.75% | 3.51% | 0.32% |
| Q2 2025 | $152.3M | $138.6M | $82.0M | $12.0M | $507K | 0.68% | 3.50% | 0.14% |
| Q1 2025 | $152.6M | $137.9M | $81.3M | $12.2M | $201K | 0.54% | 3.42% | 0.15% |
| Q4 2024 | $145.0M | $129.9M | $83.0M | $11.5M | $547K | 0.37% | 3.39% | 0.16% |
| Q3 2024 | $147.9M | $125.9M | $84.2M | $12.6M | $383K | 0.34% | 3.35% | 0.10% |
Loan mix (Q2 2026): real estate $73.6M · commercial $1.6M · consumer $5.5M · securities $67.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Harrison County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 1.24% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 11.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.4% | 62.9% | 75th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | The Harrison County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | The Harrison County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | The Harrison County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | The Harrison County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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