HARVARD STATE BANK, THE

HARVARD STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in HARVARD, IL, established in Aug. 1, 1866, midnight. As of 2025-12-31, the bank reported total assets of $328M and total deposits of $291M. Profitability stands at 0.73% ROA and 9.21% ROE, with a net interest margin of 3.15%. The bank's CET1 capital ratio is 14.53%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #9079.