The Harrison County Bank
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Data as of · sourced from FFIEC call reports. How we update
The Harrison County Bank is an FDIC-insured commercial bank headquartered in Lost Creek, WV, established in 1911 (FDIC certificate 9030), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $164.9M, up 8.3% from Q2 2025, the 31st largest of 40 banks headquartered in West Virginia. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.21% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9030
- Headquarters
- Lost Creek, WV
- Established
- 1911
- Total assets, Q2 2026
- $164.9M
- Assets vs Q2 2025
- +8.3%
- Tier 1 leverage ratio, Q2 2026
- 10.21%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 051502913
- Holding company
- HARRISON BANKSHARES, INC.
- Asset rank in state
- 31st of 40 in West Virginia
The Harrison County Bank, based in Lost Creek, West Virginia, reported $165 million in assets at June 30, 2026, up 8.3% from a year earlier. It pays an average of 0.89% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 0.9% over the year, lower than about three-quarters of banks its size (median 5.5%).
Net income for the quarter rose 10% from a year earlier, to $338,000. Over the same year, loans shrank 0.9% and deposits grew 8.5%. Profitability lags: it earns about $0.81 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, The Harrison County Bank reported a return on assets of 0.81%, a nonperforming-loan ratio of 0.42% and a Texas ratio of 2.33%. The figures come from its call report filed with the FFIEC.
The Harrison County Bank ranks as the 31st largest of the 40 banks based in West Virginia, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.7% to $164.9M, loans rose 0.8% and deposits rose 0.9%. 1-4 family residential loans made up 64.9% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 22.8%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in WV; its Lost Creek office books 52% of its branch deposits. Judged on its Q2 2026 call report, The Harrison County Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 80 E Main St, Lost Creek, WV 26385
- County
- Harrison
- Metro Area
- Clarksburg, WV
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 1, 1911
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 31
- Domestic deposits
- $150.4M
- Allowance for credit losses
- $897K
- Net charge-offs (YTD)
- $7K
- Average total assets
- $167.2M
- Average total loans
- $82.1M
- Average interest-bearing deposits
- $98.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9030
- Fed RSSD
- 104234
- Website
- www.hcbwv.com →
- Parent Holding Company
- HARRISON BANKSHARES, INC. (RSSD 1249178)
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 County Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Harrison County Bank's total assets moved between a low of $145.0M (Q4 2024) and a high of $164.9M (Q2 2026) from Q3 2023 to Q2 2026, 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
$164.9M total assets against $152.3M; $151.0M total liabilities against $140.3M.
$81.3M net loans and leases against $82.0M; $150.4M total deposits against $138.6M.
$67.5M securities against $57.2M; $9.7M cash and balances due against $6.1M.
$1.8M total interest income against $1.6M; $395K total interest expense against $365K.
$1.4M net interest income against $1.3M.
$165K total noninterest income against $163K; $1.1M total noninterest expense against $984K.
$23K provision for credit losses against $22K.
$338K net income against $306K.
0.81% return on assets against 0.77%; 3.64% net interest margin against 3.50%.
10.21% tier 1 leverage ratio against 10.26%.
Inside the full The Harrison County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Harrison County Bank rankings
Its closest position to the top of a national ranking is 2,123 of 3,640, for Texas Ratio; its furthest is 2,879 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.35% (Q3 2024) to 1.24% (Q4 2025) and its net interest margin ran from 3.37% (Q1 2025) to 3.64% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.21% | 0.81% | 0.42% | 2.33% | 3.64% |
| Q1 2026 | 10.52% | 0.70% | 0.35% | 1.90% | 3.50% |
| Q4 2025 | 10.51% | 1.24% | 0.43% | 2.41% | 3.60% |
| Q3 2025 | 10.59% | 0.89% | 0.51% | 3.47% | 3.57% |
| Q2 2025 | 10.26% | 0.77% | 0.26% | 1.67% | 3.50% |
| Q1 2025 | 10.49% | 0.52% | 0.29% | 1.80% | 3.37% |
| Q4 2024 | 10.86% | 0.44% | 0.28% | 1.91% | 3.47% |
| Q3 2024 | 11.03% | 0.35% | 0.18% | 1.15% | 3.38% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 County Bank | Lost Creek , WV | 26385 | $78.1M |
| Johnson Avenue Branch | Bridgeport , WV | 26330 | $39.3M |
| Clarksburg Branch | Clarksburg , WV | 26301 | $17.4M |
| Buckhannon Pike Branch | Nutter Fort , WV | 26301 | $15.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in WV, rank 46 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $101K approved, $101K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 County Bank
What are The Harrison County Bank's total assets?
As of the Q2 2026 filing, The Harrison County Bank reported total assets of $164.9 million in its FFIEC call report.
Where is The Harrison County Bank headquartered?
It is headquartered in Lost Creek, WV, United States.
When was The Harrison County Bank founded?
It was established in 1911, per the FDIC institution directory.
Is The Harrison County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9030). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Harrison County Bank?
The Harrison County Bank's primary federal regulator is the FDIC.
How many branches does The Harrison County Bank operate?
It operates 4 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 County Bank's Texas Ratio?
Its Texas Ratio is 2.33% 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.
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