Branch Network
The Harvard State Bank Locations & Branches Harvard, Illinois
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The Harvard State Bank operates 5 branches from its headquarters in Harvard, IL, .
The Harvard State Bank branch network
All 5 branches are in ILLINOIS, across 4 cities. Harvard, IL has the most of its branches, 2. Its largest office by deposits is the The Harvard State Bank office in Harvard, IL, with $190.5M (64.8% of its branch deposits). It had the same number of branches on June 30, 2025.
The Harvard State Bank at a glance
Its CET1 capital ratio was 14.44% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $331.5M
- CET1 ratio, Q2 2026
- 14.44%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1866
Full financial profile · Is The Harvard State Bank safe? · The Harvard State Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Harvard, IL (2 branches) | 1 of 5 | 50.1% | $190.5M |
| State: IL (5 branches) | 164 of 379 | <0.1% | $294.0M |
Ranked by total assets among banks headquartered in the state: Largest banks in Illinois.
Share by county and metro area
The Harvard State Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Mchenry, IL (3 branches) | 12 of 24 | 2.2% | $219.1M | $9.84B |
| Ogle, IL (1 branch) | 8 of 11 | 4.4% | $63.4M | $1.43B |
| Winnebago, IL (1 branch) | 17 of 18 | 0.1% | $11.6M | $8.21B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Chicago-Naperville-Elgin, IL-IN-WI (3 branches) | 94 of 150 | <0.1% | $219.1M | $632.03B |
| Rochelle, IL (1 branch) | 8 of 11 | 4.4% | $63.4M | $1.43B |
| Rockford, IL (1 branch) | 20 of 21 | 0.1% | $11.6M | $9.04B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 9079) · FFIEC NIC profile (RSSD 800134)