THE HARRISON BUILDING AND LOAN ASSOCIATION

HARRISON, OH · Supervised by FDIC

Est. 1916FDIC #28,080RSSD: FDIC-28080

Satisfactory Same

Current rating · Exam: April 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.75%

Is this bank safe?

THE HARRISON BUILDING AND LOAN ASSOCIATION holds a Satisfactory CRA rating (2022), meets basic financial requirements (ROA +0.75%).

Institution Profile

FDIC BankFind

Website

www.bankhbl.com

Address

10490 New Haven Rd, HARRISON, OH

County

Hamilton County

Established

January 1, 1916

Total Assets

$273M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2022

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Apr 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$273M

Total Deposits

$205M

Net Loans

$151M

Net Income

$516K

ROA

0.75%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.01%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.75%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate6.12%Peer avg: 6.90%▼ Fewer than avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$216M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	49	87.76%	6.12%
2023	37	91.89%	2.70%
2022	62	91.94%	4.84%
2019	106	83.02%	8.49%
2018	140	85%	8.57%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Apr 2022	Satisfactory	Small Bank
Mar 2016	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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