# FIRST HARRISON BANK
CORYDON, IN · FDIC certificate 31223 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.29B | |
| Deposits | $1.14B | |
| Loans and leases | $680.2M | |
| Total equity | $137.8M | |
| Loans / deposits | 58.73% (p7 of band) | 87.10% |
| Liquid assets / assets | 43.88% (p92 of band) | |
| Uninsured deposits / deposits | 29.60% (p46 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.33% (p66 of band) | 10.50% |
| Unrealized securities loss / equity | -13.73% (p32 of band) | -7.75% |
| AOCI / equity | -1.69% (p6 of band) | |
| ROA (annualized) | 1.42% (p64 of band) | 1.26% |
| Net interest margin | 3.90% (p62 of band) | 3.70% |
| Efficiency ratio | 55.54% (p40 of band) | |
| Noncurrent loans | 0.72% (p63 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p52 of band) | |
| Reserve coverage of noncurrent | 217.76% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 47.93% (p50 of band) | |
| Auto loans | $30.4M (4.47% of loans; DQ 1.07%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 201 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | reserve under noncurrent |  |
| 2016-03 | 1 |  | charge-offs p90 |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | uninsured deposits leaving |  |
| 2023-12 | 1 |  | uninsured deposits leaving |
| 2024-03 | 2 | uninsured deposits leaving |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity, uninsured deposits leaving |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-05-07 [New CEO Appointed at First Harrison Bank - Building Indiana Business](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOMDk0Qi1nYi1IQ2lYMEppQlZuREc5WS1jRGdoNlhRamVTRjBPY2VuWUY0eVN0djVqY0FxMFV0TkxrRXVzdUMyWlM3SWVFTG5SMFhEczBvQktYMzlENzZTNkZTR3FtX1dKc0lmbDhKT3BlM3FsSm5UMlZ2VG93bGJ3VjJyZmlPTEJw?oc=5) · Building Indiana Business
- 2023-07-27 [20 People to Know in Banking: Jennifer Cooper - Louisville Business First - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOc2NNWWEyWGtiQzRnYzd6bE5lNktWTFRyNndJMGl0RmViWkw0RHV6dDRHaXhHVHJCQUhDLXBWY2RCU1F6cDNla0JhdkVXdXUtNFA2cnY4WGw1T2pPVXlaM2NDMl9oQTltaE1HQXNwYjRta1Nqa0FEOUZtWDJlakgteGJVemdFQmQ0UGNQR05EbXljMDQxeDg4NHY1aVNsRjhfSFNPYU5ycw?oc=5) · The Business Journals
- 2020-09-06 [Southern Indiana bank closes most branch lobbies over coronavirus - WHAS11](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQWnpDU2VTR2E4Yy1yUlFSM25sNlVxRjQzYk43cV85Q1hOZUlYX3hJQzJYUkZ0ZGVKTlJjWS1HdVViSTV5bkJYVGc0aWZMWEVkRC13M01fQnNQV0IwYVIySlZLb0FXTGtnR2I1ZVZFc1pnMzhlcXlEcXhRMFBvTGNoOXRVcWR3c2RsTDVKd3U0cUpVNzMwVEpQd2txbjlCcDR2RXkwbXpSVkY1SlE5emJFU2JjOFVqRmdnS3lKbFhFVlRrZU4yc2dnTEZTYXBHR1JLLTR3OENB?oc=5) · WHAS11
- 2014-01-04 [Woman accused of robbing bank she worked at for 25 years - WLKY](https://news.google.com/rss/articles/CBMimAFBVV95cUxOMFlEbDdnb3NXYWoyMnloWWV2MUJJajR5T2I3WUZBNHhsTktBT2I5S2FySUtvT19VTnRUakZlWjFuSnJDaHY5ZmwtRkR0dVdwMEE4R2JHZnBCOGFhVFZxdTJxQjdqb2VTbmxoTVBCTTB5Y09MOW9sUXV0cHFPYVZPQ0lxWGJZcVZIS1lHN2RZbVF1UG1aN3NqRQ?oc=5) · WLKY
- 2023-01-25 [Man accused of stealing checks from southern Indiana businesses arrested in Kentucky - wdrb.com](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQMTdiVmZxX1c0d1dKa2NZeVlETWF2Um1hMmVSQmJXSEltX21aTEoxR0RBdWNsX2JsZG1FWFUxMDVZaFhaSkRRU3AwZEZKRlV2RGFrODg2UVNWVF9ldkdVaExYRS1BcEJIenY1c1VNYmktMlRPNDhlTDRKdDNwckpTV1FMVnIyX1FlU2NYLVZIeWNZZ0NCTV9WelZzTFlkeHBBc0JrTTA2eEdfNTV1eG8wcnVPME1jVnVEZlpoVG9QQmhicnBMckRJWnU0WTl2TXc3UXRFdktjdE9wdWR5ZkNmdHJQSDVzdG54OXZKSmdZaXk4QQ?oc=5) · wdrb.com
- 2021-07-22 [20 People to Know in Banking: Chris Frederick - Louisville Business First - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNWEpZT0RLWGRiRVNpa2tJbmpFZWhCVFZMT2tfZXZFNHVaOFhoNjExdjdyM3pZSnl3M25tYXBkRkpmNFpPQTRxdWkyajFfeVFRYmljMVA1TEZudzA1M1NfZXAzMk1JWEhJMjR5c053QktrdUxPRy01Q1k1LXFiZUp1SVNNYXJOZTRyVUJqOXpUbHRLSExqcVZYdHpGTlo3RkNyTDg2T3luQQ?oc=5) · The Business Journals
- 2017-05-22 [The new First Harrison Bank - WHAS11](https://news.google.com/rss/articles/CBMiigFBVV95cUxORHJKUy01ek02bHM3Z1dHYnhoUGtxeDFIcFZMTUZVM1FIcFFfalVzcVhHQ0NNNWNRMEpIQkxjT1BuU25JcEVGNFJneElWNHQtUWc5SEtBVjE2TlJHcTdQWmoyYkFvNVAzdHV2V0YyLWNrYXdLQ2hlTnZvZjluOTFOTTNZb2pra3hWNmc?oc=5) · WHAS11
- 2026-08-20 [First Capital, Inc. Announces Quarterly Dividend - The Manila Times](https://news.google.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?oc=5) · The Manila Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31223 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/55.json (key "31223", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide