Bank Comparison
Harrison County Bank, the vs Fayette County National Bank of Fayetteville, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
18 · 2
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Harrison County Bank, the | Fayette County National Bank of Fayetteville, the |
|---|---|---|
| CET1 Ratio | — | 21.17% |
| Tier 1 Capital Ratio | — | 21.17% |
| Total Capital Ratio | — | 22.39% |
| Tier 1 Leverage Ratio | 10.52% | 9.09% |
| Equity / Assets | 8.63% | 7.09% |
Profitability
| Metric | Harrison County Bank, the | Fayette County National Bank of Fayetteville, the |
|---|---|---|
| Return on Assets (ROA) | 0.70% | 0.54% |
| Return on Equity (ROE) | 8.11% | 7.67% |
| Net Interest Margin (NIM) | 3.50% | 2.79% |
| Yield on Earning Assets | 4.49% | 4.10% |
| Cost of Funds | 1.04% | 1.44% |
Asset quality
| Metric | Harrison County Bank, the | Fayette County National Bank of Fayetteville, the |
|---|---|---|
| Texas Ratio | 1.90% | 0.78% |
| Non-Performing Loan Ratio | 0.00% | 0.05% |
| Non-Performing Asset Ratio | 0.00% | 0.02% |
| Net Charge-Off Ratio | 0.00% | 0.03% |
| ACL / Loans | 1.08% | 1.14% |
Balance sheet
| Metric | Harrison County Bank, the | Fayette County National Bank of Fayetteville, the |
|---|---|---|
| Total Assets | $163,812K | $157,056K |
| Total Deposits | $149,102K | $136,691K |
| Total Loans | $81,480K | $72,324K |
| Total Equity | $14,142K | $11,130K |
| Net Income (quarter) | $284 | $212 |
Liquidity & funding
| Metric | Harrison County Bank, the | Fayette County National Bank of Fayetteville, the |
|---|---|---|
| Loan-to-Deposit Ratio | 54.65% | 52.91% |
| Core Deposit Ratio | 96.69% | 95.35% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Harrison County Bank, the | Fayette County National Bank of Fayetteville, the |
|---|---|---|
| Headquarters City | LOST CREEK | FAYETTEVILLE |
| Headquarters State | WV | WV |
| Asset Tier | Small | Small |
| Charter Class | 0 | 8345 |
| Regulator | FDIC | OCC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 30 | 21 |
| Established | Feb. 1, 1911, midnight | June 1, 1900, 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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