The Harvard State Bank
BankRegReports is independent of The Harvard State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Harvard State Bank is an FDIC-insured commercial bank headquartered in Harvard, IL, established in 1866 (FDIC certificate 9079), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $331.5M, up 5.5% from Q2 2025, the 142nd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 14.44% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9079
- Headquarters
- Harvard, IL
- Established
- 1866
- Total assets, Q2 2026
- $331.5M
- Assets vs Q2 2025
- +5.5%
- CET1 ratio, Q2 2026
- 14.44%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 071905082
- Latest call report
- Q2 2026, FFIEC 051 · The Harvard State Bank call report
- Holding company
- HARVARD BANCSHARES, INC.
- Asset rank in state
- 142nd of 319 in Illinois
The Harvard State Bank operates with a thinner capital cushion than most banks of its size. It reported $331 million in assets at June 30, 2026, up 5.5% from a year earlier. It funds 8.79% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also keeps 3.19 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Net income for the quarter rose 30% from a year earlier, to $966,000. Its $37 million non-owner-occupied commercial real estate book is now fully current, after 1.25% of it was past due or on nonaccrual a year earlier. One more trend to watch: problem loans have nearly tripled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.26% of loans, against 0.08% a year earlier.
As of June 30, 2026, The Harvard State Bank reported a CET1 capital ratio of 14.44%, a return on assets of 1.11%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 1.87%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, The Harvard State Bank is the 142nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.3% to $331.5M, loans rose 0.9% and deposits rose 0.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 37.7% of total loans, followed by owner-occupied commercial real estate loans at 23.2%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in IL; its Harvard 2 offices book 65% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Harvard State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 33 N Ayer St, Harvard, IL 60033
- County
- Mchenry
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- August 1, 1866
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $294.0M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $348.5M
- Average total loans
- $194.1M
- Average interest-bearing deposits
- $244.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9079
- Fed RSSD
- 800134
- Website
- www.webhsb.com →
- Parent Holding Company
- HARVARD BANCSHARES, INC. (RSSD 1209604)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Harvard State Bank's total assets ranged from $303.5M (Q1 2024) to $331.5M (Q2 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
$331.5M total assets against $314.3M; $304.1M total liabilities against $291.0M.
$191.1M net loans and leases against $184.2M; $294.0M total deposits against $280.3M.
$109.3M securities against $103.4M; $14.7M cash and balances due against $10.3M.
$4.1M total interest income against $3.7M; $1.5M total interest expense against $1.5M.
$2.6M net interest income against $2.2M.
$306K total noninterest income against $271K; $1.8M total noninterest expense against $1.7M.
$60K provision for credit losses against $30K.
$966K net income against $745K.
1.11% return on assets against 0.90%; 3.19% net interest margin against 2.86%.
14.44% CET1 capital ratio against 14.37%; 8.79% tier 1 leverage ratio against 8.70%.
Inside the full The Harvard State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Harvard State Bank rankings
Its closest position to the top of a national ranking is 1,008 of 2,134, for CET1 ratio; its furthest is 2,312 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.30% (Q3 2024) to 1.11% (Q2 2026) and its net interest margin ran from 2.35% (Q3 2024) to 3.19% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.44% | 1.11% | 0.26% | 1.87% | 3.19% |
| Q1 2026 | 14.48% | 1.08% | 0.37% | 2.74% | 3.13% |
| Q4 2025 | 14.53% | 0.71% | 0.18% | 1.28% | 3.05% |
| Q3 2025 | 14.25% | 0.89% | 0.18% | 1.34% | 2.93% |
| Q2 2025 | 14.37% | 0.90% | 0.08% | 0.66% | 2.86% |
| Q1 2025 | 14.44% | 0.67% | 0.04% | 0.37% | 2.70% |
| Q4 2024 | 14.55% | 0.48% | 0.12% | 0.99% | 2.60% |
| Q3 2024 | 14.48% | 0.30% | 0.21% | 1.58% | 2.35% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| The Harvard State Bank | Harvard , IL | 60033 | $190.5M |
| Oregon Il Branch | Oregon , IL | 61061 | $63.4M |
| Hebron Il Branch | Hebron , IL | 60034 | $28.6M |
| Rockford Il Branch | Rockford , IL | 61108 | $11.6M |
| Division Street Branch | Harvard , IL | 60033 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 3, 2009 | Structure Change | Acquired Rock River Bank of Oregon Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 2, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| September 22, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 22, 2001 | Structure Change | Acquired Hebron State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 164 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 36 applications, 29 loans originated, $25.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $791K approved, $396K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows The Harvard State Bank’s latest filed figures and updates each quarter.
Similar banks
Compare The Harvard State Bank with peers
Frequently asked about The Harvard State Bank
What are The Harvard State Bank's total assets?
As of the Q2 2026 filing, The Harvard State Bank reported total assets of $331.5 million in its FFIEC call report.
Where is The Harvard State Bank headquartered?
It is headquartered in Harvard, IL, United States.
When was The Harvard State Bank founded?
It was established in 1866, per the FDIC institution directory.
Is The Harvard State Bank FDIC-insured?
Yes. It 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 The Harvard State Bank?
The Harvard State Bank's primary federal regulator is the FDIC.
What is The Harvard State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.44% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Harvard State Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Harvard State Bank's Texas Ratio?
Its Texas Ratio is 1.87% 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.
Go deeper on The Harvard State Bank.
Get an email when The Harvard State Bank files its next call report, and benchmark it against any peer you choose.
Unlock The Harvard State Bank, freeFree account