The Harrison County Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The biggest quarter-over-quarter change on this page was a small one: Core deposits to total deposits edged down 0.10 percentage points between Q1 2026 and Q2 2026, to 96.59%. The Harrison County Bank has the 4th lowest loan-to-deposit ratio of the 41 banks headquartered in West Virginia, at 54.63% as of Q2 2026. The Harrison County Bank reported 54.63% on loan-to-deposit ratio for Q2 2026, 26.20 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $77.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.63% |
| Net loans and leases to deposits | 54.04% |
| Loans and leases to core deposits | 56.56% |
| Core deposits to total deposits | 96.59% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 59.55% | 92.38% | $0 | $0 |
| Q4 2023 | 60.62% | 94.10% | $0 | $1.4M |
| Q1 2024 | 60.76% | 96.28% | $0 | $3.0M |
| Q2 2024 | 64.12% | 96.76% | $1.0M | $3.0M |
| Q3 2024 | 67.59% | 98.81% | $5.2M | $3.0M |
| Q4 2024 | 64.50% | 95.72% | $0 | $3.0M |
| Q1 2025 | 59.60% | 94.13% | $0 | $2.0M |
| Q2 2025 | 59.83% | 95.76% | $0 | $1.0M |
| Q3 2025 | 59.26% | 97.03% | $0 | $0 |
| Q4 2025 | 56.96% | 97.07% | $0 | $0 |
| Q1 2026 | 54.65% | 96.69% | $0 | $0 |
| Q2 2026 | 54.63% | 96.59% | $0 | $0 |
The Harrison County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Harrison County Bank, freeSource: Call Report Schedules RC and RC-M, 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 The Harrison County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9030) · FFIEC NIC profile (RSSD 104234)