The Harrison Building and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
The Harrison Building and Loan Association is an FDIC-insured savings and loan association headquartered in Harrison, OH, established in 1916 (FDIC certificate 28080), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $268.0M, down 1.8% from Q2 2025, the 84th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.62% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28080
- Headquarters
- Harrison, OH
- Established
- 1916
- Total assets, Q2 2026
- $268.0M
- Assets vs Q2 2025
- -1.8%
- Tier 1 leverage ratio, Q2 2026
- 17.62%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 242272214
- Latest call report
- Q2 2026, FFIEC 051 · The Harrison Building and Loan Association call report
- Asset rank in state
- 84th of 154 in Ohio
The Harrison Building and Loan Association carries far more capital than most banks of its size. Its balance sheet stood at $268 million at June 30, 2026, down 1.8% from a year earlier; it is based in Harrison, Ohio. It funds 17.62% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also grew its loan book 20.0% over the year, 3.7 times the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $935,000, 61% above the same quarter a year earlier. Over the same year, loans grew 20.0% and deposits shrank 6.6%.
As of June 30, 2026, The Harrison Building and Loan Association reported a return on assets of 1.33%, a nonperforming-loan ratio of 0.39% and a Texas ratio of 1.42%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Harrison Building and Loan Association is the 84th largest of the 154 banks headquartered in Ohio. Between Q1 2026 and Q2 2026, its total assets fell 2.0% to $268.0M, loans rose 6.8% and deposits fell 1.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 42.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 22.8%. The FDIC Summary of Deposits lists 3 offices for it, in Harrison, OH and Hamilton, OH; its Harrison 2 offices book 92% of its branch deposits. On its Q2 2026 call report, The Harrison Building and Loan Association meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 10490 New Haven Rd, Harrison, OH 45030
- County
- Hamilton
- Metro Area
- Cincinnati, Oh-KY-In
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1916
- Former names
- The Harrison Building and Loan Association (1996)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $201.4M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $0
- Average total assets
- $280.6M
- Average total loans
- $159.3M
- Average interest-bearing deposits
- $195.9M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28080
- Fed RSSD
- 653778
- Website
- www.bankhbl.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Harrison Building and Loan Association reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Harrison Building and Loan Association's total assets ranged from $252.5M (Q3 2023) to $276.5M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$268.0M total assets against $272.8M; $224.8M total liabilities against $236.4M.
$161.5M net loans and leases against $134.7M; $201.4M total deposits against $215.6M.
$80.8M securities against $109.7M; $7.5M cash and balances due against $9.1M.
$3.5M total interest income against $3.1M; $1.1M total interest expense against $1.2M.
$2.4M net interest income against $1.9M.
$145K total noninterest income against $150K; $1.3M total noninterest expense against $1.3M.
$135K provision for credit losses against $60K.
$935K net income against $581K.
1.33% return on assets against 0.83%; 3.82% net interest margin against 3.20%.
17.62% tier 1 leverage ratio against 16.58%.
Inside the full The Harrison Building and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Harrison Building and Loan Association rankings
Its closest position to the top of a national ranking is 759 of 3,606, for efficiency ratio; its furthest is 2,498 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.33% (Q4 2024) to 1.33% (Q2 2026) and its net interest margin ran from 3.01% (Q3 2024) to 3.82% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.62% | 1.33% | 0.39% | 1.42% | 3.82% |
| Q1 2026 | 17.20% | 0.73% | 0.51% | 1.84% | 3.44% |
| Q4 2025 | 17.07% | 0.95% | 0.47% | 1.67% | 3.36% |
| Q3 2025 | 16.62% | 0.89% | 0.48% | 1.67% | 3.26% |
| Q2 2025 | 16.58% | 0.83% | 0.49% | 1.76% | 3.20% |
| Q1 2025 | 16.68% | 0.67% | 0.52% | 1.83% | 3.01% |
| Q4 2024 | 16.76% | 0.33% | 0.58% | 1.96% | 3.03% |
| Q3 2024 | 16.66% | 0.70% | 0.58% | 1.87% | 3.01% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Harrison Building and Loan Association | Harrison , OH | 45030 | $132.6M |
| Walnut Street Branch | Harrison , OH | 45030 | $51.7M |
| Hamilton Branch | Hamilton , OH | 45013 | $17.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- July 10, 1991, OCC (former OTS): Supervisory Agreement: The Crestline Building and Loan Association
- Period: Most recent institution action July 10, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 108 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Harrison Building and Loan Association
What are The Harrison Building and Loan Association's total assets?
As of the Q2 2026 filing, The Harrison Building and Loan Association reported total assets of $268.0 million in its FFIEC call report.
Where is The Harrison Building and Loan Association headquartered?
It is headquartered in Harrison, OH, United States.
When was The Harrison Building and Loan Association founded?
It was established in 1916, per the FDIC institution directory.
Is The Harrison Building and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #28080). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Harrison Building and Loan Association?
The Harrison Building and Loan Association's primary federal regulator is the FDIC.
How many branches does The Harrison Building and Loan Association operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Harrison Building and Loan Association's Texas Ratio?
Its Texas Ratio is 1.42% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Harrison Building and Loan Association previously called?
The charter now named The Harrison Building and Loan Association has also operated as The Harrison Building and Loan Association (1996), per FDIC structure-change records.
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