First Harrison Bank (FDIC #31223): Bank Stress & Real-Estate Credit Exposure

First Harrison Bank (FDIC Cert #31223): bank stress 60/100, elevated, STABLE over 7 days; parent FIRST CAPITAL INC (FCAP).

First Harrison Bank (#31223) lends in 5 counties across 2 states; First Harrison Bank (#31223) reaches 49 ZIP codes: Indiana 4 counties, 38 ZIPs; Kentucky 1 county, 11 ZIPs.

First Harrison Bank (#31223) largest markets: Clark County, IN (32 branches, 16 ZIPs) (#31223), Harrison County, IN (64 branches, 16 ZIPs) (#31223), Washington County, IN (12 branches, 12 ZIPs) (#31223), Bullitt County, KY (55 branches, 11 ZIPs) (#31223), Floyd County, IN (50 branches, 10 ZIPs) (#31223).

First Harrison Bank (#31223) reports $1.29 billion in total assets; First Harrison Bank (#31223) equity $137.7 million (10.7% of First Harrison Bank (#31223) assets); First Harrison Bank (#31223) domestic deposits $1.14 billion; First Harrison Bank (#31223) net income $9.1 million; First Harrison Bank (#31223) return on assets 1.42%; First Harrison Bank (#31223) return on equity 13.47%; First Harrison Bank (#31223) net interest income $23.5 million; First Harrison Bank (#31223) call report June 30, 2026.

First Harrison Bank (#31223) noncurrent real-estate loans: none reported; First Harrison Bank (#31223) net charge-offs on real estate 0.59%; First Harrison Bank (#31223) residential charge-offs 0.68%.

First Harrison Bank (#31223) net interest margin 3.90% against an eight-quarter First Harrison Bank (#31223) average of 3.54% (First Harrison Bank (#31223) compression -0.36 points); First Harrison Bank (#31223) non-residential real estate 68.4% of equity; First Harrison Bank (#31223) rate-exposure score 40/100, First Harrison Bank (#31223) fixed-rate trap 40/100; First Harrison Bank (#31223) risk type market signal; First Harrison Bank (#31223) rate regime rates elevated; First Harrison Bank (#31223) shares 10.8% below the 52-week high, First Harrison Bank (#31223) equity trend weakening, First Harrison Bank (#31223) snapshot October 19, 2026.

First Harrison Bank (#31223) stress score moved from 60.8 on June 22, 2026 to 59.7 on October 19, 2026; First Harrison Bank (#31223) ranged 59.7 to 60.8 over 116 snapshots.

First Harrison Bank (#31223) alerts: 5 counties; top First Harrison Bank (#31223) alert scores: Jeffersonville County, IN 21 (low); New Albany County, IN 21 (low); Palmyra County, IN 21 (low); Salem County, IN 21 (low); Shepherdsville County, IN 21 (low).