The Harrison County Bank (FDIC certificate #9030) is based in Lost Creek, West Virginia. Its Q2 2026 call report shows $164.9M in total assets and $150.4M in deposits and 4 offices.
Based on its Q2 2026 filing, The Harrison County Bank scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 40 banks headquartered in West Virginia, it ranks 18th. Its strongest component is funding & liquidity (100/100; 54% loans-to-deposits, 14% uninsured), and its lowest is earnings (51/100; 0.77%).
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 (73 → 72).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 72 |
| Q4 2024 | 71 |
| Q1 2025 | 72 |
| Q2 2025 | 73 |
| Q3 2025 | 72 |
| Q4 2025 | 74 |
| Q1 2026 | 73 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.90% |
| Q3 2024 | 11.03% |
| Q4 2024 | 10.86% |
| Q1 2025 | 10.49% |
| Q2 2025 | 10.26% |
| Q3 2025 | 10.59% |
| Q4 2025 | 10.51% |
| Q1 2026 | 10.52% |
| Q2 2026 | 10.21% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.18% |
| Q3 2024 | 0.18% |
| Q4 2024 | 0.28% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.26% |
| Q3 2025 | 0.51% |
| Q4 2025 | 0.43% |
| Q1 2026 | 0.35% |
| Q2 2026 | 0.42% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.34% |
| Q3 2024 | 0.34% |
| Q4 2024 | 0.37% |
| Q1 2025 | 0.54% |
| Q2 2025 | 0.68% |
| Q3 2025 | 0.75% |
| Q4 2025 | 0.88% |
| Q1 2026 | 0.71% |
| Q2 2026 | 0.77% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $164.9M | 10.21% | 0.42% | 0.77% | 54.0% |
| Q1 2026 | 73 | $163.8M | 10.52% | 0.35% | 0.71% | 54.1% |
| Q4 2025 | 74 | $158.3M | 10.51% | 0.43% | 0.88% | 56.4% |
| Q3 2025 | 72 | $153.9M | 10.59% | 0.51% | 0.75% | 58.7% |
| Q2 2025 | 73 | $152.3M | 10.26% | 0.26% | 0.68% | 59.2% |
| Q1 2025 | 72 | $152.6M | 10.49% | 0.29% | 0.54% | 59.0% |
| Q4 2024 | 71 | $145.0M | 10.86% | 0.28% | 0.37% | 63.9% |
| Q3 2024 | 72 | $147.9M | 11.03% | 0.18% | 0.34% | 66.9% |
| Q2 2024 | 72 | $147.1M | 10.90% | 0.18% | 0.34% | 63.5% |
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 West Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Fayette County National Bank of FayettevilleBank Fayetteville, WV | 69 out of 100, Moderate | $158.1M | 9.1% | 0.08% | vs |
| Guaranty Bank Inc.Bank Williamson, WV | 54 out of 100, Below average | $152.4M | 13.6% | 2.48% | vs |
| Pioneer Community Bank, Inc.Bank Iaeger, WV | 79 out of 100, Strong | $191.1M | 13.6% | 0.29% | vs |
| Whitesville State BankBank Whitesville, WV | 65 out of 100, Moderate | $137.6M | 10.0% | 0.65% | vs |
| Clay County Bank, Inc.Bank Clay, WV | 91 out of 100, Very strong | $135.9M | 14.8% | 0.28% | vs |
| Mountain Valley Bank, N.A.Bank Elkins, WV | 87 out of 100, Very strong | $201.9M | 13.6% | 0.19% | vs |
Deposit insurance
Is my money safe at The Harrison County Bank?
Yes. The Harrison County Bank is an FDIC-insured institution (FDIC certificate #9030). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.2% of deposits ($21.4M) 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 10.21%, 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%).
4 locations
Branches
The Harrison County Bank lists 4 offices in 4 cities. Most locations:
- Bridgeport, WV (1)
- Clarksburg, WV (1)
- Lost Creek, WV (1)
- Nutter Fort, WV (1)
Identity & history
Profile
- Legal name
- The Harrison County Bank
- Type
- State-chartered bank
- FDIC certificate #
- 9030
- RSSD ID
- 104234
- Primary regulator
- FDIC
- Holding company
- Harrison Bankshares Inc
- Established
- February 1, 1911
- Headquarters
- 80 E Main St, Lost Creek, WV 26385
- Website
- www.hcbwv.com
- Employees
- 31
Quick answers
The Harrison County Bank: common questions
Is The Harrison County Bank FDIC insured?
Yes. The Harrison County Bank is an FDIC-insured institution (FDIC certificate #9030). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Harrison County Bank's TellerScore?
72 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 The Harrison County Bank ever failed?
There is no failure record for FDIC certificate #9030 in the FDIC failed bank list.
How many branches does The Harrison County Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lost Creek
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Harrison County Federal Credit UnionCredit union Nutter Fort, WV | 91 out of 100, Very strong | $15.6M | 18.4% | 0.14% | vs |
| Hope Federal Credit UnionCredit union Bridgeport, WV | 89 out of 100, Very strong | $43.3M | 19.9% | 0.38% | vs |
| City of Clarksburg Federal Credit UnionCredit union Clarksburg, WV | 83 out of 100, Strong | $8.2M | 14.2% | 0.02% | vs |
| Clear Mountain BankBank Bruceton Mills, WV | 83 out of 100, Strong | $1.0B | 13.1% | 0.30% | vs |
| Chessie Federal Credit UnionCredit union Cumberland, MD | 83 out of 100, Strong | $434.4M | 13.8% | 0.82% | vs |
| Freedom Bank, Inc.Bank Belington, WV | 78 out of 100, Strong | $429.7M | 11.4% | 0.36% | vs |