First State Bank of Harvey
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Data as of · sourced from FFIEC call reports. How we update
First State Bank of Harvey is an FDIC-insured commercial bank headquartered in Harvey, ND, established in 1913 (FDIC certificate 8383), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $94.6M, up 2.3% from Q2 2025, the 48th largest of 60 banks headquartered in North Dakota. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.40% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8383
- Headquarters
- Harvey, ND
- Established
- 1913
- Total assets, Q2 2026
- $94.6M
- Assets vs Q2 2025
- +2.3%
- Tier 1 leverage ratio, Q2 2026
- 10.40%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 091308164
- Latest call report
- Q2 2026, FFIEC 051 · First State Bank of Harvey call report
- Holding company
- FIRST HARVEY BANCORPORATION, INC.
- Asset rank in state
- 48th of 60 in North Dakota
First State Bank of Harvey, based in Harvey, North Dakota, reported $95 million in assets at June 30, 2026, up 2.3% from a year earlier. It keeps 3.07 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 583 banks with less than $100 million in assets (median 3.87 cents). It also funds 10.40% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
Earnings jumped: net income for the quarter was $237,000, 82% above the same quarter a year earlier. Over the same year, loans grew 10.8% and deposits shrank 0.6%.
As of June 30, 2026, First State Bank of Harvey reported a return on assets of 0.95%, a nonperforming-loan ratio of 1.14% and a Texas ratio of 4.75%. The figures come from its call report filed with the FFIEC.
First State Bank of Harvey ranks as the 48th largest of the 60 banks based in North Dakota, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 5.8% to $94.6M, loans rose 10.6% and deposits fell 8.0%. Farmland and other real estate loans made up 20.9% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 18.5%. The FDIC Summary of Deposits lists 2 offices for it, in Harvey, ND and Anamoose, ND; its Harvey office books 96% of its branch deposits. On its Q2 2026 call report, First State Bank of Harvey meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 700 Lincoln Ave, Harvey, ND 58341
- County
- Wells
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 5, 1913
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $84.6M
- Allowance for credit losses
- $364K
- Net charge-offs (YTD)
- $36K
- Average total assets
- $99.8M
- Average total loans
- $33.4M
- Average interest-bearing deposits
- $64.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8383
- Fed RSSD
- 997557
- Website
- www.firstharvey.com →
- Parent Holding Company
- FIRST HARVEY BANCORPORATION, INC. (RSSD 1128666)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First State Bank of Harvey reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First State Bank of Harvey's total assets ranged from $86.2M (Q3 2023) to $100.4M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$94.6M total assets against $92.5M; $86.5M total liabilities against $86.0M.
$34.8M net loans and leases against $31.4M; $84.6M total deposits against $85.0M.
$55.5M securities against $53.9M; $1.1M cash and balances due against $4.1M.
$1.0M total interest income against $893K; $298K total interest expense against $314K.
$706K net interest income against $579K.
$74K total noninterest income against $86K; $543K total noninterest expense against $535K.
No provision recorded in the last 12 quarters.
$237K net income against $130K.
0.95% return on assets against 0.54%; 3.07% net interest margin against 2.61%.
10.40% tier 1 leverage ratio against 10.35%.
Inside the full First State Bank of Harvey terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.54% (Q2 2025) to 1.27% (Q3 2025) and its net interest margin ran from 2.42% (Q4 2024) to 3.07% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.40% | 0.95% | 1.14% | 4.75% | 3.07% |
| Q1 2026 | 10.24% | 0.97% | 1.47% | 5.73% | 2.85% |
| Q4 2025 | 10.22% | 1.05% | 0.72% | 3.17% | 2.96% |
| Q3 2025 | 10.62% | 1.27% | 1.01% | 4.42% | 2.82% |
| Q2 2025 | 10.35% | 0.54% | 1.14% | 5.27% | 2.61% |
| Q1 2025 | 10.43% | 0.79% | 0.85% | 3.63% | 2.64% |
| Q4 2024 | 10.84% | 0.97% | 0.13% | 0.72% | 2.42% |
| Q3 2024 | 11.34% | 1.10% | 0.52% | 2.34% | 2.63% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First State Bank of Harvey (main office) | Harvey , ND | 58341 | $80.8M |
| Anamoose Branch | Anamoose , ND | 58710 | $3.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in ND, rank 55 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $52K approved, $52K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First State Bank of Harvey
What are First State Bank of Harvey's total assets?
As of the Q2 2026 filing, First State Bank of Harvey reported total assets of $94.6 million in its FFIEC call report.
Where is First State Bank of Harvey headquartered?
It is headquartered in Harvey, ND, United States.
When was First State Bank of Harvey founded?
It was established in 1913, per the FDIC institution directory.
Is First State Bank of Harvey FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8383). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First State Bank of Harvey?
First State Bank of Harvey's primary federal regulator is the FDIC.
How many branches does First State Bank of Harvey operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First State Bank of Harvey's Texas Ratio?
Its Texas Ratio is 4.75% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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