The Harrison County Bank: how it compares with its peers
Against 17 WV banks with half to twice its assets, The Harrison County Bank's strongest measure in Q2 2026 is assets per employee ($5.3M vs. a $5.3M peer median). Its weakest relative measure is net interest margin (3.51% vs. 4.01%).
| Measure | The Harrison County Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.77% | 0.99% | Middle third Ahead of 35% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.51% | 4.01% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.36% | 67.97% | Middle third Ahead of 41% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $5.3M | Middle third Ahead of 53% of peers |
| Loans to deposits Net loans and leases over total deposits. | 54.04% | 75.23% | Context |
What it means for lending operations
Its efficiency ratio of 73.36% is above the 67.97% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Fayette County National Bank of Fayetteville Fayetteville, WV · $158M
- Guaranty Bank Inc. Williamson, WV · $152M
- Pioneer Community Bank, Inc. Iaeger, WV · $191M
- Whitesville State Bank Whitesville, WV · $138M
- Clay County Bank, Inc. Clay, WV · $136M
- Mountain Valley Bank, N.A. Elkins, WV · $202M
Questions about The Harrison County Bank
How big is The Harrison County Bank?
The Harrison County Bank, established in 1911, is headquartered in Lost Creek, WV. It reported $165M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is The Harrison County Bank's return on assets?
0.77% annualized in Q2 2026, against a 0.99% median for 17 WV banks with half to twice its assets, ahead of 35% of them.
What is The Harrison County Bank's efficiency ratio?
73.36% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 67.97%, and lower is better.
Is The Harrison County Bank growing its loans?
Net loans shrank 0.9% over the year to Q2 2026, while deposits grew 8.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WV banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every West Virginia bank ranked.