Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
Main Street
Lost Creek, WV 26385

The Harrison County Bank is headquartered in Lost Creek and is the 50th largest bank in the state of West Virginia. It is also the 4,777th largest bank in the nation. It was established in 1911 and as of March of 2014, it had grown to 28 employees at 5 locations. The Harrison County Bank has a A health rating.

No reviews have been left for this bank yet. Be the first to review.


Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. The Harrison County Bank has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 The Harrison County Bank had $173,000 in non-current loans and owned real-estate with $9.48 million in equity and loan loss allowances on hand to cover it. This gives The Harrison County Bank a Texas Ratio of 1.83% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The Harrison County Bank decreased slightly from 2.59% as of March 31, 2013 to 1.83% as of March 31, 2014, resulting in a positive change of 29.43%.This indicates that the balance sheet and financial strength for The Harrison County Bank has improved slightly in recent periods.

Deposit Growth


In the past year, The Harrison County Bank has increased its total deposits by $2.88 million, resulting in 3.36% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Harrison County Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Harrison County Bank has $98.02 million in assets with $9.48 million in equity, resulting in a capitalization level of 9.67%, which is above average.

Institution Statistics

FDIC Certificate #9030
Year Established1911
Primary RegulatorFDIC
Assets and Liabilities
Assets$98.03 million
Loans$46.24 million
Deposits$88.37 million
Equity Capital$9.17 million
Loan Loss Allowance$304,000
Unbacked Noncurrent Loans$173,000
Real Estate Owned$0
Historic Data - March 2013
Assets$95.42 million
Equity Capital$9.46 million
Loan Loss Allowance$362,000
Unbacked Noncurrent Loans$173,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.31%
Return on Assets0.6%
Return on Equity6.51%
Interest Income$836,000
Skip to rates for:

Always verify rates and promotions with the bank or credit union. We are not The Harrison County Bank, we are a rate comparison website and can not provide official rates or promotions.

The Harrison County Bank Savings Account Rates

0.15%$100-Saving Account
0.15%--Christmas Club Account
0.15%--Vacation Club Account

The Harrison County Bank CD Rates

0.95%$100k-60 Month CD
0.80%$100k-48 Month CD
0.65%$100k-30 Month CD
0.65%$100k-36 Month CD
0.65%$100k-42 Month CD
0.55%$100k-15 Month CD
0.55%$100k-24 Month CD
0.55%$100k-27 Month CD
0.35%$100k-6 Month CD
0.35%$100k-9 Month CD
0.35%$100k-12 Month CD

The Harrison County Bank Locations
Johnson Avenue Branch1215 Johnson AvenueBridgeport, WV 26330
Buckhannon Pike Branch1506 Buckhannon PikeNutter Fort, WV 26301
Clarksburg Branch3 Armory RoadClarksburg, WV 26301
The Harrison County BankMain StreetLost Creek, WV 26385
West Milford BranchMain Street & Vesta DriveWest Milford, WV 26451