The Harrison County Bank
Lost Creek, WV
IDRSSD: 104234
Total Assets
$153.86M
Latest filing
Total Deposits
$139.64M
Latest filing
Net Interest Margin
3.54%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Harrison County Bank
80 E Main St
Lost Creek, WV 26385
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/01/1911FDIC Certificate 5771
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Harrison County Bank (Main) | 80 E Main St | Lost Creek, WV |
| JOHNSON AVENUE BRANCH | 1215 Johnson Ave | Bridgeport, WV |
| BUCKHANNON PIKE BRANCH | 1506 Buckhannon Pike | Nutter Fort, WV |
| CLARKSBURG BRANCH | 17 Armory Rd | Clarksburg, WV |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/01/1911 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 26385 |
| State and County Number | 54033 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Clarksburg, WV |
Operational Info
| Number of Employees | 28 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/02/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.hcbwv.com |
| Data Updated | 11/14/2025 |
| CERT | 9030 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $153.86M |
| Total Deposits | $139.64M |
| Total Liabilities | $140.41M |
| Total Equity Capital | $13.45M |
| Net Income | $347.00k |
| Net Loans and Leases | $81.90M |
| Assets Per Employee ($Millions) | $5.13M |
| Bank Premises and Fixed Assets | $4.35M |
| Cash and Balances due from Depository Institutions | $7.37M |
| Deposits Held in Domestic Offices | $139.64M |
Key Performance Ratios
| Return on Assets (ROA) | 0.91% |
| Return on Equity (ROE) | 10.89% |
| Net Interest Margin | 3.54% |
| Efficiency Ratio | 68.65% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.741% |
| Earning Assets to total Assets | 94.44% |
Income and Expense
| Total Interest Income | $1.64M |
| Total Noninterest Income | $157.00k |
| Total Interest Expense | $367.00k |
| Total Noninterest Expense | $983.00k |
| Net Interest Income | $1.27M |
| Pre-tax Net Operating Income | $426.00k |
| Provision for Credit Losses | $23.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $75.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $771.00k |
| Total Liabilities and Capital | $153.86M |
Securities
| Securities | $58.13M |
| Available-for-sale debt securities | $52.18M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $5.95M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Harrison County Bank?
$153.86M as of the latest filing.
How much are The Harrison County Bank's total deposits?
$139.64M in total deposits.
Where is The Harrison County Bank located?
Lost Creek, WV.
What is the Net Interest Margin?
3.54%.
How many domestic offices does it operate?
4.
When was it established?
02/01/1911.
What is the Return on Assets (ROA)?
0.91%.
How much are total loans and leases?
$81.90M (latest filing).
What is the total interest income (latest filing)?
$1.64M.