FIRST STATE BANK OF HARVEY

HARVEY, ND | Micro | Est. June 5, 1913, midnight | FDIC #8383 | RSSD #997557 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK OF HARVEY is amn micro FDIC-insured commercial bank headquartered in HARVEY, ND, established in June 5, 1913, midnight. As of 2025-12-31, the bank reported total assets of $95M and total deposits of $86M. Profitability stands at 1.08% ROA and 13.45% ROE, with a net interest margin of 3.03%. The bank's CET1 capital ratio is 8.28%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #8383.

Assets

$95M

Deposits

$86M

Loans

$36M

Equity

$8M

Profitability

Return on Assets (ROA) 1.08%
Return on Equity (ROE) 13.45%
Net Interest Margin (NIM) 3.03%
Yield on Assets 4.44%
Cost of Funds 1.99%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 8.28%
Tier 1 Capital 8.28%
Total Capital Ratio 8.70%
Leverage Ratio 10.22%
Loan-to-Deposit 42.32%

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