The Harrison County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Harrison County Bank of Lost Creek, WV against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.81% | 1.35% | -0.54% | 24th bottom |
| ROAE | 9.62% | 12.05% | -2.43% | 34th below |
| Net Interest Margin | 3.64% | 3.90% | -0.26% | 34th below |
| Efficiency Ratio | 68.06% | 63.15% | +4.91% | 32nd below |
| PPNR / Avg Assets | 1.10% | 1.64% | -0.54% | 25th below |
| Yield on Earning Assets | 4.64% | 5.65% | -1.01% | 12th bottom |
| Cost of Funds | 0.89% | 1.85% | -0.96% | 94th top |
| Net Interest Spread | 2.39% | 3.35% | -0.96% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 29th below |
| ACL / Total Loans | 1.09% | 1.28% | -0.19% | 37th below |
| Texas Ratio | 2.33% | 7.15% | -4.82% | 60th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 642.86% | 1189.53% | -546.67% | 76th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.21% | 12.46% | -2.25% | 36th below |
| Equity / Assets | 8.46% | 11.67% | -3.21% | 19th bottom |
| TCE / Tangible Assets | 8.46% | 11.40% | -2.94% | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 54.63% | 78.65% | -24.02% | 88th top |
| Core Deposit Ratio | 96.59% | 87.09% | +9.50% | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.30% | 6.47% | +1.83% | 77th top |
| Loan Growth (Y/Y) | -0.89% | 7.64% | -8.53% | 20th bottom |
| Deposit Growth (Y/Y) | 8.55% | 6.02% | +2.53% | 78th top |
See The Harrison County Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Harrison County Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Harrison County Bank profile, how to read a UBPR, or how this data updates.