B
The Harrison County Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Harrison County Bank
Lost Creek, WV
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Rating B
Asset Quality Index 8.40
Capitalization Index 9.90
Liquidity Index 3.90
Profitability Index 4.00
Stability Index 4.60
Company Info The Harrison County Bank
Lost Creek, WV
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FDIC Number 9030
Phone Number (304) 745-3342
Website www.hcbwv.com
Asset Quality The Harrison County Bank
Lost Creek, WV
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1-Year Asset Growth 4.05%
5-Year Asset Growth 4.73%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 0.05%
Non-Performing Loans to Capital 2.42%
Non-Performing Loans to Loans 0.00%
Balance Sheet The Harrison County Bank
Lost Creek, WV
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Total Assets 153.86M
Total Deposits 139.64M
Capital and Reserves The Harrison County Bank
Lost Creek, WV
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Capital 13.45M
Leverage Ratio 10.93
Loan Loss Reserves to Loans 1.03%
Risk-Based Capital Ratio --
Liquidity The Harrison County Bank
Lost Creek, WV
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Hot Money Ratio 11.87%
Liquidity Ratio 42.76%
Profitability The Harrison County Bank
Lost Creek, WV
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5-Year Return on Average Assets 0.82%
Net Income 854.00K
Net Interest Spread 3.48%
Operating Profit to Average Assets 0.97%
Overhead Efficiency Ratio 71.47%
Return on Assets 0.75%
Return on Equity 9.31%