Bank Comparison
Harrison County Bank, the vs Bank of Maysville
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Harrison County Bank, the | Bank of Maysville |
|---|---|---|
| CET1 Ratio | — | 29.37% |
| Tier 1 Capital Ratio | — | 29.37% |
| Total Capital Ratio | — | 30.15% |
| Tier 1 Leverage Ratio | 10.52% | 17.09% |
| Equity / Assets | 8.63% | 17.15% |
Profitability
| Metric | Harrison County Bank, the | Bank of Maysville |
|---|---|---|
| Return on Assets (ROA) | 0.70% | 1.35% |
| Return on Equity (ROE) | 8.11% | 7.94% |
| Net Interest Margin (NIM) | 3.50% | 3.85% |
| Yield on Earning Assets | 4.49% | 4.36% |
| Cost of Funds | 1.04% | 0.60% |
Asset quality
| Metric | Harrison County Bank, the | Bank of Maysville |
|---|---|---|
| Texas Ratio | 1.90% | 0.97% |
| Non-Performing Loan Ratio | 0.00% | 0.29% |
| Non-Performing Asset Ratio | 0.00% | 0.16% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 1.08% | 0.82% |
Balance sheet
| Metric | Harrison County Bank, the | Bank of Maysville |
|---|---|---|
| Total Assets | $163,812K | $163,904K |
| Total Deposits | $149,102K | $134,466K |
| Total Loans | $81,480K | $88,408K |
| Total Equity | $14,142K | $28,108K |
| Net Income (quarter) | $284 | $555 |
Liquidity & funding
| Metric | Harrison County Bank, the | Bank of Maysville |
|---|---|---|
| Loan-to-Deposit Ratio | 54.65% | 65.75% |
| Core Deposit Ratio | 96.69% | 93.05% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Harrison County Bank, the | Bank of Maysville |
|---|---|---|
| Headquarters City | LOST CREEK | MAYSVILLE |
| Headquarters State | WV | KY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 3 |
| Employees (FTE) | 30 | 26 |
| Established | Feb. 1, 1911, midnight | June 26, 1835, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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