County banking markets / WV / 54033
HarrisonWest Virginia
FIPS 54033. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 55 counties in West Virginia’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (1,001) and unconcentrated on deposits (1,287).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
29 branch offices and 9 institutions in 1994; 27 and 14 in 2025. Deposits booked in the county went from $753.0M to $2.05B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | WesBanco Bank, Inc. cert 803 | $357.2M | 17.41% | 5 | 18.52% |
| 2 | MVB Bank, Inc cert 34603 | $348.0M | 16.96% | 2 | 7.41% |
| 3 | The Huntington National Bank cert 6560 | $331.8M | 16.17% | 3 | 11.11% |
| 4 | Truist Bank cert 9846 | $311.6M | 15.19% | 2 | 7.41% |
| 5 | JPMorgan Chase Bank, National Association cert 628 | $222.6M | 10.85% | 1 | 3.70% |
| 6 | The Harrison County Bank cert 9030 | $138.6M | 6.75% | 4 | 14.81% |
| 7 | Peoples Bank cert 6544 | $68.0M | 3.31% | 1 | 3.70% |
| 8 | West Union Bank cert 2452 | $67.3M | 3.28% | 2 | 7.41% |
| 9 | City National Bank of West Virginia cert 17735 | $52.1M | 2.54% | 2 | 7.41% |
| 10 | Clear Mountain Bank cert 2443 | $47.1M | 2.29% | 1 | 3.70% |
| 11 | First Guaranty Bank cert 14028 | $35.9M | 1.75% | 1 | 3.70% |
| 12 | BCBank, Inc. cert 20215 | $32.1M | 1.56% | 1 | 3.70% |
| 13 | Burke & Herbert Bank & Trust Company cert 11578 | $22.3M | 1.09% | 1 | 3.70% |
| 14 | Freedom Bank, Inc. cert 15664 | $17.2M | 0.84% | 1 | 3.70% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to West Virginia, or read the methodology for the two HHI constructions and what they cannot tell you.