Bank Comparison
Harrison County Bank, the vs Liberty State Bank
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 | Liberty State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.52% | 13.21% |
| Equity / Assets | 8.63% | 9.00% |
Profitability
| Metric | Harrison County Bank, the | Liberty State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.70% | 1.78% |
| Return on Equity (ROE) | 8.11% | 20.41% |
| Net Interest Margin (NIM) | 3.50% | 3.07% |
| Yield on Earning Assets | 4.49% | 4.74% |
| Cost of Funds | 1.04% | 1.88% |
Asset quality
| Metric | Harrison County Bank, the | Liberty State Bank |
|---|---|---|
| Texas Ratio | 1.90% | 0.73% |
| Non-Performing Loan Ratio | 0.00% | 0.02% |
| Non-Performing Asset Ratio | 0.00% | 0.01% |
| Net Charge-Off Ratio | 0.00% | -0.63% |
| ACL / Loans | 1.08% | 1.89% |
Balance sheet
| Metric | Harrison County Bank, the | Liberty State Bank |
|---|---|---|
| Total Assets | $163,812K | $163,712K |
| Total Deposits | $149,102K | $148,156K |
| Total Loans | $81,480K | $58,136K |
| Total Equity | $14,142K | $14,728K |
| Net Income (quarter) | $284 | $751 |
Liquidity & funding
| Metric | Harrison County Bank, the | Liberty State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 54.65% | 39.24% |
| Core Deposit Ratio | 96.69% | 81.70% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Harrison County Bank, the | Liberty State Bank |
|---|---|---|
| Headquarters City | LOST CREEK | POWERS LAKE |
| Headquarters State | WV | ND |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 1 |
| Employees (FTE) | 30 | 11 |
| Established | Feb. 1, 1911, midnight | April 17, 1952, 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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