# HARRISON COUNTY BANK
LOST CREEK, WV · FDIC certificate 9030 · asset band <$300M · 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 | $164.9M | |
| Deposits | $150.4M | |
| Loans and leases | $82.2M | |
| Total equity | $14.0M | |
| Loans / deposits | 54.04% (p24 of band) | 73.59% |
| Liquid assets / assets | 46.83% (p74 of band) | |
| Uninsured deposits / deposits | 14.25% (p29 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.21% (p28 of band) | 11.76% |
| Unrealized securities loss / equity | -25.48% (p18 of band) | -6.57% |
| AOCI / equity | -1.57% (p17 of band) | |
| ROA (annualized) | 0.77% (p28 of band) | 1.17% |
| Net interest margin | 3.51% (p29 of band) | 3.93% |
| Efficiency ratio | 73.36% (p68 of band) | |
| Noncurrent loans | 0.42% (p53 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p64 of band) | |
| Reserve coverage of noncurrent | 259.25% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 4.89% (p29 of band) | |
| Auto loans | $3.2M (3.93% of loans; DQ 1.45%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.6% | |
| Employees | 31 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | charge-offs p90 |  |
| 2017-09 | 0 |  | charge-offs p90 |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, charge-offs p90 |  |
| 2022-06 | 2 | securities losses >30% of equity | charge-offs p90 |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 4 | deposits shrinking, assets shrinking |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | assets shrinking |
| 2024-09 | 2 |  | uninsured deposits leaving |
| 2024-12 | 1 |  | deposits shrinking |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity, capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2023-12-30 [Highlighting local business: For more than a century, Harrison County Bank has been growing right along the county - WV News](https://news.google.com/rss/articles/CBMiiwJBVV95cUxQYlFWMXl5cXd0THhQeGFkVE10Q3dvOTBGeERQMmxPZHNubzZFNVZJNFNXWWRaMk5maExfMmM4ZEp4MkRac2tWV3d3YkhyN2wzejRlWHotamJkVHMzOFhYQUV3SzBZOG5tRDVvNU9DSlZIU3BhMkZhaWxJS3dYSzd0TVVXSk00ODhjd3RobVNQNXAteURwclFURGFMQkRIU0IzMmVGYjB1SGcxM1dGZklDeXBUU3NmNVJHR1RBTWJVSzEyV2RPY2l2RUVvb051STkzT0xFTFZ6c0UzNTg5bkxLSGxWYUVvTzd3WWlLYzFrTjZ3WC1jWks1WlpTZDJ2WG1wamh4S0s3Y0VLRm8?oc=5) · WV News
- 2026-09-01 [New food drive to start in Harrison County this fall - wboy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQMnM3QWZIVVd2QV9qeUVlZFk2bFlTWnpjY1BLa2xIWl81UFdweXl5aFZDODF4cFdTMzNwVXAyTVp5bkFYUHBkWHR2bW5iZlZHX2gxYkJ0Q0JxNDZUUjY5dWdQblg4YW85ZlVQTmhIa3dBNktqSWU2N21OUjFvaUdzVDhTSDBoRVVCOXdFc1d3TkJ3UdIBlwFBVV95cUxNVVZUekpOUlhHNmRYaDliZHpGaE9jTl9NMm52X3pnVU5ILWxXdy1JT3BvX1lMVDgxamE5SEtIY0lISUI4UjNvSVcycDQ3MTJjYU9vWWI4dzlUc3hsczVSMFBkR3VnVWpNbS0tMldwVWMxendhUXA5UGlhSXc0TWh6emt1b3docHFHYURUUDF5ZG54Z0RULWMw?oc=5) · wboy.com
- 2021-09-25 [5 Sports Pregame Show Week 5: Sponsored by Harrison County Bank - WDTV 5](https://news.google.com/rss/articles/CBMimwFBVV95cUxNOFdIM2oxY2JRR2ZwZmpnWDNpc1VUZ1plbzVGSlhHczdpbkxFeDlaNTFQNjdscUhaME1lenVwaF94VmV4RlZNWFBybkNjMmhTLWhkYjhTdEx4Zy1JR2JsQ2YxLXlDQnBEa1ZmVVZnR1FmWGs2LUppVkFXVlpQc2dCdkNlTTNqZGd3WUViNUk4eXB6WTVWdzVxMkQ2c9IBrwFBVV95cUxNMl9YWEppN0JSX0tuQ011S3NmVDMwWHQtUzRidFVDQllBYjFVbUV2c2g4QTBEcHV3cm1oeXR2OVE5RFhCRV81dTl1V2RHbVpQZUsyOEZ5dU1PdXNOdFBWbzBDcVcyM1pfcEhncTN5TDFoU3AwSEV0UDJpTXhoZW1Gd2dRZFEwWG5UekE1NkxvdEcyV2xrUmttMVpwVFRCd3JPbFB6Zm5uRVUwaDR5V3Jj?oc=5) · WDTV 5
- 2014-10-31 [Obituary for Thomas Cronin Davisson - Davis Funeral Home and Onsite Crematory](https://news.google.com/rss/articles/CBMia0FVX3lxTE5jT292LVpGOFFqVjNhRVNtWnN0SHFMZGRhQURBZ0lxQkNEdkNIME5XSF9qRDI5TUMzQlNnV2dKYjNVQ2FaQ1E0NG5uWkpjbEJ2QmtIZFRzTjhsZUg1Mjkwd09HbmdvU0hTWUZR?oc=5) · Davis Funeral Home and Onsite Crematory
- 2022-07-08 [Obituary: Corder, Helen Ruth - WTAP](https://news.google.com/rss/articles/CBMia0FVX3lxTE9SYVNfQ0Z4UUhpb1ZRQ29oRVJqYlVINGUyd1htSnJSOXNtdy1EenRQcTVISjBoVzVQZHlfT0RCcWgxQThNeGhnc1cwZnh5dDBELUNrMVNBYnRGZ3Bobk5kVy1BR19xM29GREsw0gF_QVVfeXFMT2dUbE9ZaVN5S1BwX0hyVE1Hb0dsb1VLbVY4ejVEaktrQ3ItOGc0QVVzaFRqXy0wSjhPX1d3UFk5X1l6aU1jckpoUFhSc3F0OGs5RXIta1hBTjdUalJGWERoc01TazdvQnVxMUMwRGFMUUZPb0ptRFFNd2haZVBrVQ?oc=5) · WTAP
- 2025-02-18 [David Griffith Obituary (2025) - Nutter Fort, WV - Amos Carvelli Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPYWxUSWx1YVJ4LVB1OEhDRHA5LUZLLUtPZXl2cG1IQ1lMR2t5M0ZjX0FDaGI4NGZHZkZUMGpJTUpZc3ZrWHlCRElxUEpDY244d04ySGJSSlQ1RG5WZlZhdlVpXzl5VktFSndXam50Y0JQYmU1cGRFV01Wa1lDbU9UeERnOA?oc=5) · legacy.com
- 2022-11-30 [WDTV hosts Salute to Veterans dinner in Clarksburg - WDTV 5](https://news.google.com/rss/articles/CBMigwFBVV95cUxNN2VPOGhCdHdHWTAzRWxsUU5fNXptQVNjTDk2b3kzdHEwX3V6SF9GSVY1UFN3Nk9HbWxXb0pTUTFfSkFnRFhUaVk0emZ4RWlMY0Z0dTJ1QV91UDZObU41S3h4QkNuZFBYdVhqQmhiSlNBNDM0Zk5lWlNURld2bk9zV3EtZ9IBlwFBVV95cUxQR2VNOElaU2NDYUhuZlU5ajVHdnNvSi1INUxuWlVCUndZSFY5T1dTMVZPR204aUowakZHWjdsb3RQNUdFZ3RoaENkWjdnWGhJcHBqQjBJYVk2ekpvNnN5MGZJX185Snphd1c4aE9KMlJXYWQwNmYyc25mbXZPOS1zaEp0d05TUVNOS0RfZlBkcEdCLWlrbjB3?oc=5) · WDTV 5
- 2011-02-12 [Susan Yurko Obituary (2011) - Bridgeport, WV - The Salinas Californian - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNSHZqazhNVTB1bmF6UkFtaUFuTmxWOWVFNHhpVmZSSzVMTEhjeGRvWXNMd3NyeGZGYzE2dzQ0NjNhRlZJWUlGSnEzWDljOHp3ZEpTZHZzRWJ6THhiaDRoWTFOcGdVcFhGdC1oRU5QYUR2V1U2QWc5T1B0eThRUmRGb0xWMEJ5c1Y2VldiaHhDSEJjWms?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9030 (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/6.json (key "9030", 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