The Harvard State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Harvard State Bank of Harvard, IL against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.11% | 1.25% | -0.14% | 38th below |
| ROAE | 14.52% | 12.22% | +2.30% | 62nd above |
| Net Interest Margin | 3.19% | 3.95% | -0.76% | 15th bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 62.79% | 63.71% | -0.92% | 45th below |
| PPNR / Avg Assets | 1.19% | — | — | 27th below |
| Yield on Earning Assets | 4.99% | 5.67% | -0.68% | 22nd bottom |
| Cost of Funds | 1.87% | 1.87% | +0.00% | 45th below |
| Net Interest Spread | 2.51% | — | — | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 0.88% | -0.62% | 60th above |
| NPA / Total Assets | 0.15% | — | — | 65th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 48th below |
| ACL / Total Loans | 1.06% | — | — | 33rd below |
| ACL / NPLs (Coverage) | 402.75% | — | — | 65th above |
| Texas Ratio | 1.87% | 5.96% | -4.09% | 59th above |
| Provision / NCO | 6000.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.44% | 17.18% | -2.74% | 43rd below |
| Tier 1 Ratio | 14.44% | 17.21% | -2.77% | 43rd below |
| Total Capital Ratio | 15.45% | — | — | 42nd below |
| Leverage Ratio | 8.79% | 11.75% | -2.96% | 9th bottom |
| Equity / Assets | 8.24% | 10.98% | -2.74% | 16th bottom |
| TCE / Tangible Assets | 7.65% | — | — | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.69% | 80.44% | -14.75% | 77th top |
| Core Deposit Ratio | 95.83% | 86.95% | +8.88% | 88th top |
| Wholesale Funding Ratio | 2.72% | — | — | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.46% | — | — | 58th above |
| Loan Growth (Y/Y) | 3.84% | — | — | 40th below |
| Deposit Growth (Y/Y) | 4.89% | — | — | 56th above |
See The Harvard State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Harvard State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Harvard State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the The Harvard State Bank peer analysis.