First Harrison Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 30.42 percentage points in Q2 2026, from 225.33% to 194.91%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, First Harrison Bank is 29th of 87 on return on assets, 1.49% as of Q2 2026, above the middle of the field. First Harrison Bank reported 1.49% on return on assets for Q2 2026, 0.22 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.33% |
| Equity capital to assets | 10.70% |
| Tangible equity to tangible assets | 10.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.81% |
| Non-performing assets ratio | 0.43% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 3.87% |
| Allowance for credit losses to loans | 1.58% |
| Reserve coverage of non-performing loans | 194.91% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.49% |
| Return on equity | 14.18% |
| Net interest margin | 3.98% |
| Efficiency ratio | 53.28% |
| Yield on earning assets | 5.13% |
| Cost of funds | 1.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.67% |
| Core deposits to total deposits | 94.33% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.53% |
| Securities to assets | 32.15% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.68% | 1.10% | 3.13% | 0.34% | 0.01% |
| Q4 2023 | 9.92% | 1.07% | 3.10% | 0.36% | 0.06% |
| Q1 2024 | 10.29% | 1.05% | 3.14% | 0.59% | 0.04% |
| Q2 2024 | 10.44% | 1.01% | 3.15% | 0.58% | 0.02% |
| Q3 2024 | 10.24% | 1.04% | 3.18% | 0.72% | 0.04% |
| Q4 2024 | 10.57% | 1.14% | 3.33% | 0.69% | 0.02% |
| Q1 2025 | 10.61% | 1.09% | 3.34% | 0.65% | 0.05% |
| Q2 2025 | 10.80% | 1.28% | 3.60% | 0.71% | 0.07% |
| Q3 2025 | 10.82% | 1.42% | 3.70% | 0.70% | 0.01% |
| Q4 2025 | 11.01% | 1.56% | 3.79% | 0.73% | 0.06% |
| Q1 2026 | 11.13% | 1.34% | 3.80% | 0.68% | 0.07% |
| Q2 2026 | 11.33% | 1.49% | 3.98% | 0.81% | 0.03% |
First Harrison Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Harrison Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Harrison Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31223) · FFIEC NIC profile (RSSD 716374)