TellerScore

First Harrison Bank (FDIC certificate #31223) is based in Corydon, Indiana. Its Q2 2026 call report shows $1.3B in total assets and $1.1B in deposits and 17 offices across 2 states.

First Harrison Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 897 banks with $1 billion – $10 billion. Among 88 banks headquartered in Indiana, it ranks 19th. Problem-loan coverage contributes the most (93/100, 3.3%); capital cushion contributes the least (63/100, 11.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.33%
Loan quality76/100
Noncurrent loans ÷ total loans: 0.72%
Earnings77/100
Return on assets (annualized): 1.42%
Funding & liquidity84/100
Loans ÷ deposits and uninsured-deposit share: 58.7% · 29.6% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.31%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (73 → 75), mostly because the earnings component improved by 9 points.

TellerScore
697275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202469
Q4 202470
Q1 202571
Q2 202573
Q3 202574
Q4 202574
Q1 202675
Q2 202675
Tier 1 leverage ratio
5.00%8.17%11.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.44%
Q3 202410.24%
Q4 202410.57%
Q1 202510.61%
Q2 202510.80%
Q3 202510.82%
Q4 202511.01%
Q1 202611.13%
Q2 202611.33%
Noncurrent loans
0.59%0.66%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.64%
Q3 20240.70%
Q4 20240.69%
Q1 20250.63%
Q2 20250.61%
Q3 20250.59%
Q4 20250.65%
Q1 20260.60%
Q2 20260.72%
Return on assets
1.04%1.23%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.04%
Q3 20241.05%
Q4 20241.08%
Q1 20251.10%
Q2 20251.19%
Q3 20251.28%
Q4 20251.35%
Q1 20261.34%
Q2 20261.42%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$1.3B11.33%0.72%1.42%58.7%
Q1 202675$1.3B11.13%0.60%1.34%58.4%
Q4 202574$1.3B11.01%0.65%1.35%58.2%
Q3 202574$1.2B10.82%0.59%1.28%58.6%
Q2 202573$1.2B10.80%0.61%1.19%58.4%
Q1 202571$1.2B10.61%0.63%1.10%59.1%
Q4 202470$1.2B10.57%0.69%1.08%59.0%
Q3 202469$1.2B10.24%0.70%1.05%61.1%
Q2 202470$1.2B10.44%0.64%1.04%62.1%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.33%
67th
Total risk-based capital0.00%
13th
Problem loans0.72%
37th
Net charge-offs0.05%
44th
Return on assets1.42%
65th
Net interest margin3.90%
62nd
Efficiency ratio55.5%
61st
Loans to deposits58.7%
93rd
Uninsured deposits29.6%
54th
Loan-loss reserves1.58%
88th
Texas ratio3.3%
52nd

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers State BankBank Lagrange, IN78 out of 100, Strong$1.3B10.8%0.02%vs
Jackson County BankBank Seymour, IN53 out of 100, Below average$1.1B8.5%0.55%vs
First Bank of BerneBank Berne, IN73 out of 100, Strong$1.1B9.9%0.47%vs
First Bank MidwestBank Frankfort, IN52 out of 100, Below average$1.5B10.9%1.78%vs
Peoples BankBank Munster, IN53 out of 100, Below average$2.0B9.3%1.10%vs
The National Bank of IndianapolisBank Indianapolis, IN66 out of 100, Moderate$3.0B9.3%0.15%vs

Deposit insurance

Is my money safe at First Harrison Bank?

Yes. First Harrison Bank is an FDIC-insured institution (FDIC certificate #31223). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.6% of deposits ($337.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.33%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

17 locations

Branches

First Harrison Bank lists 17 offices in 14 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Harrison Bank reported 824 home-loan applications under HMDA (LEI 549300LGEXCX325O8C49): 675 originated ($136,595,000 total), 87 denied, and 57 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Harrison Bank
Former names
First Federal Bank, a Federal Savings Bank; First Federal Savings and Loan Association of Corydon
Type
State-chartered bank
FDIC certificate #
31223
RSSD ID
716374
Primary regulator
FDIC
Holding company
First Capital Inc
Established
January 1, 1891
Headquarters
220 Federal Dr Nw, Corydon, IN 47112
Employees
201

Quick answers

First Harrison Bank: common questions

Is First Harrison Bank FDIC insured?

Yes. First Harrison Bank is an FDIC-insured institution (FDIC certificate #31223). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Harrison Bank's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Harrison Bank ever failed?

There is no failure record for FDIC certificate #31223 in the FDIC failed bank list.

How many branches does First Harrison Bank have?

17 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Corydon

InstitutionScoreAssetsCapitalProblem loansCompare
Advanz Federal Credit UnionCredit union Louisville, KY85 out of 100, Very strong$161.6M15.6%0.54%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Transcend Credit UnionCredit union Louisville, KY83 out of 100, Strong$588.3M13.4%0.13%vs
Louisville Gas and Electric Company Credit UnionCredit union Louisville, KY82 out of 100, Strong$50.4M15.5%0.87%vs
Abound Federal Credit UnionCredit union Radcliff, KY81 out of 100, Strong$2.8B15.8%0.81%vs
Louisville Federal Credit UnionCredit union Louisville, KY81 out of 100, Strong$37.2M20.1%0.84%vs