The Harrison Building and Loan Association (FDIC certificate #28080) is based in Harrison, Ohio. Its Q2 2026 call report shows $268.0M in total assets and $201.4M in deposits and 3 offices.
Based on its Q2 2026 filing, The Harrison Building and Loan Association scores 86/100, which we describe as very strong. That is higher than 90% of 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 15th. Its strongest component is capital cushion (100/100; 17.62%), and its lowest is earnings (63/100; 1.06%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (86 → 86).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 89 |
| Q3 2024 | 87 |
| Q4 2024 | 86 |
| Q1 2025 | 85 |
| Q2 2025 | 86 |
| Q3 2025 | 86 |
| Q4 2025 | 85 |
| Q1 2026 | 83 |
| Q2 2026 | 86 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.44% |
| Q3 2024 | 16.66% |
| Q4 2024 | 16.76% |
| Q1 2025 | 16.68% |
| Q2 2025 | 16.58% |
| Q3 2025 | 16.62% |
| Q4 2025 | 17.07% |
| Q1 2026 | 17.20% |
| Q2 2026 | 17.62% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.58% |
| Q4 2024 | 0.58% |
| Q1 2025 | 0.52% |
| Q2 2025 | 0.49% |
| Q3 2025 | 0.48% |
| Q4 2025 | 0.47% |
| Q1 2026 | 0.51% |
| Q2 2026 | 0.39% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.27% |
| Q3 2024 | 1.09% |
| Q4 2024 | 0.90% |
| Q1 2025 | 0.70% |
| Q2 2025 | 0.78% |
| Q3 2025 | 0.83% |
| Q4 2025 | 0.87% |
| Q1 2026 | 0.75% |
| Q2 2026 | 1.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $268.0M | 17.62% | 0.39% | 1.06% | 80.2% |
| Q1 2026 | 83 | $273.5M | 17.20% | 0.51% | 0.75% | 73.8% |
| Q4 2025 | 85 | $276.5M | 17.07% | 0.47% | 0.87% | 72.5% |
| Q3 2025 | 86 | $273.9M | 16.62% | 0.48% | 0.83% | 65.0% |
| Q2 2025 | 86 | $272.8M | 16.58% | 0.49% | 0.78% | 62.5% |
| Q1 2025 | 85 | $268.5M | 16.68% | 0.52% | 0.70% | 62.7% |
| Q4 2024 | 86 | $261.2M | 16.76% | 0.58% | 0.90% | 61.6% |
| Q3 2024 | 87 | $266.6M | 16.66% | 0.58% | 1.09% | 59.8% |
| Q2 2024 | 89 | $260.5M | 16.44% | 0.63% | 1.27% | 57.1% |
2,650 peers · $100 million – $1 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).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of DennisonBank Dennison, OH | 71 out of 100, Strong | $267.4M | 10.3% | 0.22% | vs |
| The Wilmington Savings BankBank Wilmington, OH | 72 out of 100, Strong | $267.3M | 14.6% | 0.82% | vs |
| Riverside Bank of DublinBank Dublin, OH | 58 out of 100, Moderate | $269.0M | 9.1% | 0.38% | vs |
| The Apple Creek Banking CompanyBank Apple Creek, OH | 70 out of 100, Strong | $270.6M | 9.2% | 0.00% | vs |
| Greenville FederalBank Greenville, OH | 57 out of 100, Moderate | $263.9M | 7.8% | 0.09% | vs |
| First Bank of Central OhioBank Worthington, OH | 46 out of 100, Below average | $260.9M | 9.9% | 1.48% | vs |
Deposit insurance
Is my money safe at The Harrison Building and Loan Association?
Yes. The Harrison Building and Loan Association is an FDIC-insured institution (FDIC certificate #28080). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.6% of deposits ($19.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 17.62%, 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%).
3 locations
Branches
The Harrison Building and Loan Association lists 3 offices in 2 cities. Most locations:
- Harrison, OH (2)
- Hamilton, OH (1)
HMDA 2025
Mortgage lending
In 2025, The Harrison Building and Loan Association reported 38 home-loan applications under HMDA (LEI 549300I25RV02D0T7075): 37 originated ($8,615,000 total), 0 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
- The Harrison Building and Loan Association
- Former names
- Harrison Building and Loan Association
- Type
- Savings association
- FDIC certificate #
- 28080
- RSSD ID
- 653778
- Primary regulator
- FDIC
- Established
- January 1, 1916
- Headquarters
- 10490 New Haven Rd, Harrison, OH 45030
- Website
- www.bankhbl.com
- Employees
- 34
Quick answers
The Harrison Building and Loan Association: common questions
Is The Harrison Building and Loan Association FDIC insured?
Yes. The Harrison Building and Loan Association is an FDIC-insured institution (FDIC certificate #28080). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Harrison Building and Loan Association's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Harrison Building and Loan Association ever failed?
There is no failure record for FDIC certificate #28080 in the FDIC failed bank list.
How many branches does The Harrison Building and Loan Association have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Harrison
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH | 92 out of 100, Very strong | $30.8M | 18.2% | 0.82% | vs |
| Children'S Medical Center Federal Credit UnionCredit union Cincinnati, OH | 91 out of 100, Very strong | $46.8M | 20.3% | 0.52% | vs |
| Northern Kentucky Federal Credit UnionCredit union Highland Height, KY | 91 out of 100, Very strong | $43.1M | 14.0% | 0.29% | vs |
| St. James Parish Credit UnionCredit union Cincinnati, OH | 90 out of 100, Very strong | $5.9M | 21.8% | 0.00% | vs |
| Deca Credit UnionCredit union Cincinnati, OH | 90 out of 100, Very strong | $7.6M | 18.9% | 0.45% | vs |