HARVARD STATE BANK, THE
HARVARD STATE BANK, THE is an FDIC-insured commercial bank headquartered in HARVARD, IL, established in 1866. As of , 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 2.99%. CET1 capital ratio: 14.53%, well above regulatory minimums. NPL ratio: 0.22% · Texas Ratio: 1.42%. Operates 5 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Harvard State Bank, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 14.53% | 0.73% | 0.22% | 1.42% | 2.99% |
| 2025-09-30 | 14.25% | 0.93% | 0.24% | 1.68% | 2.88% |
| 2025-06-30 | 14.37% | 0.95% | 0.25% | 1.88% | 2.83% |
| 2025-03-31 | 14.44% | 0.69% | 0.27% | 2.05% | 2.66% |
| 2024-12-31 | 14.55% | 0.49% | 0.41% | 3.12% | 2.56% |
| 2024-09-30 | 14.48% | 0.32% | 0.43% | 2.99% | 2.30% |
| 2024-06-30 | 14.62% | 0.41% | 0.44% | 3.45% | 2.36% |
| 2024-03-31 | 15.03% | 0.39% | 0.45% | 3.62% | 2.43% |
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Frequently asked about HARVARD STATE BANK, THE
What are Harvard State Bank, the's total assets?
As of the Q4 2025 filing, Harvard State Bank, the reported total assets of $327.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Harvard State Bank, the headquartered?
Harvard State Bank, the is headquartered in HARVARD, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Harvard State Bank, the founded?
Harvard State Bank, the was established in 1866, per the FDIC institution directory.
Is Harvard State Bank, the FDIC-insured?
Yes. Harvard State Bank, the is an FDIC-insured commercial bank (FDIC Certificate #9079). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Harvard State Bank, the?
Harvard State Bank, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Harvard State Bank, the's CET1 capital ratio?
Harvard State Bank, the reported a Common Equity Tier 1 (CET1) capital ratio of 14.53% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Harvard State Bank, the operate?
Harvard State Bank, the operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Harvard State Bank, the's Texas Ratio?
Harvard State Bank, the's Texas Ratio is 1.42% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.