Community Reinvestment Act

In accordance with the Community Reinvestment Act (CRA) regulation, First Harrison Bank is pleased to provide our CRA Public File for public inspection, updated annually as of April 1st. As a federal law enacted in 1977, the CRA encourages financial institutions to reinvest in the communities it serves. The information on this site may be downloaded by any member of the public. First Harrison Bank is able to provide printed copies of these documents; however, please note we may charge a reasonable fee to cover copying and mailing expenses. To request printed copies of documents, please contact the CRA Officer using the information found at the bottom of this page.

Branch Information

We have eighteen branch locations in Southern Indiana and Bullitt County, Kentucky.

• Branch Locations with Hours
• Branch Listings with Census Tracts
• Branch Activity
  • Opened: No branches were opened in 2022, 2023, or year-to-date 2024.
  • Closed: No branches were closed in 2022, 2023, or year-to-date 2024.

CRA Assessment Area

First Harrison Bank is organized around our customers and communities for strong relationships and local delivery of our products and services.

• CRA Assessment Area Map
• Census Tracts within Our CRA Assessment Area

Products and Services

Written Comments

First Harrison Bank has not received any written comments during the years of 2022, 2023, or year-to-date 2024 that were in regard to the Bank meeting the credit needs of our communities.

Loan to Deposit Ratios

The bank’s loan-to-deposit ratio for each quarter of 2023 was as follows:

• March: 54.52
• June: 55.83
• September: 59.11
• December: 59.75

CRA Performance Evaluation

This document is an evaluation of First Harrison Bank’s record of meeting the credit needs of our entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operation of the institution.

• CRA Public Disclosure

HMDA Disclosure Statement

HMDA data about our residential mortgage lending is available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. This data is available online at the Consumer Financial Protection Bureau’s website. HMDA data for many other financial institutions is also available at this website.

Contact Our CRA Officer

We welcome your input regarding our CRA performance. In order to contact us with any comments or questions regarding CRA, use the following contact methods:

In the request for a printed copy of our CRA Public File, please include the following information:

• Contact Person's First & Last Name
• Mailing Address of where to send the CRA Public File
• Phone Number