The Harrison County Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 2.02 percentage points higher than in Q1 2026, at 3.80%. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $82.2M |
| Net loans and leases | $81.3M |
| Loans held for sale | $0 |
| Loans to total assets | 49.82% |
| Loan-to-deposit ratio | 54.63% |
| Net loans to equity capital | 5.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.80% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 1.93% |
| Consumer | 6.67% |
| Credit cards | 0.00% |
| Farm | 1.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.66% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 3.80% |
| Construction concentration (Tier 1 capital + allowance) | 3.80% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $1.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $82.8M | $139.0M | 20.50% | 1.72% | 7.20% |
| Q4 2023 | $82.8M | $136.5M | 19.57% | 1.71% | 7.05% |
| Q1 2024 | $82.7M | $136.2M | 19.58% | 1.81% | 7.23% |
| Q2 2024 | $84.0M | $131.1M | 19.10% | 2.09% | 7.09% |
| Q3 2024 | $85.1M | $125.9M | 20.87% | 2.03% | 6.56% |
| Q4 2024 | $83.8M | $129.9M | 20.74% | 2.16% | 6.59% |
| Q1 2025 | $82.2M | $137.9M | 20.65% | 2.13% | 6.46% |
| Q2 2025 | $82.9M | $138.6M | 22.29% | 2.08% | 6.33% |
| Q3 2025 | $82.8M | $139.6M | 22.01% | 2.06% | 6.46% |
| Q4 2025 | $81.9M | $143.8M | 23.32% | 2.35% | 6.64% |
| Q1 2026 | $81.5M | $149.1M | 23.57% | 2.15% | 6.59% |
| Q2 2026 | $82.2M | $150.4M | 22.80% | 1.93% | 6.67% |
The Harrison County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Harrison County Bank, freeSource: Call Report Schedule RC-C, 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)