The Harvard State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 155.37 percentage points higher than in Q1 2026, at 762.08%. The Harvard State Bank ranks 185th of 323 Illinois banks on return on assets, in the lower half at 1.11% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. The Harvard State Bank sits 0.15 points lower, at 1.11% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.44% |
| Tier 1 risk-based capital ratio | 14.44% |
| Total risk-based capital ratio | 15.45% |
| Tier 1 leverage ratio | 8.79% |
| Equity capital to assets | 8.24% |
| Tangible equity to tangible assets | 7.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.14% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.87% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 762.08% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.11% |
| Return on equity | 14.52% |
| Net interest margin | 3.19% |
| Efficiency ratio | 62.79% |
| Yield on earning assets | 4.99% |
| Cost of funds | 1.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.69% |
| Core deposits to total deposits | 95.83% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.70% |
| Securities to assets | 32.99% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.89% | 14.89% | 15.94% | 8.67% | 0.25% |
| Q4 2023 | 14.50% | 14.50% | 15.48% | 8.61% | 0.20% |
| Q1 2024 | 15.03% | 15.03% | 16.05% | 8.84% | 0.38% |
| Q2 2024 | 14.62% | 14.62% | 15.63% | 8.61% | 0.38% |
| Q3 2024 | 14.48% | 14.48% | 15.49% | 8.54% | 0.30% |
| Q4 2024 | 14.55% | 14.55% | 15.54% | 8.77% | 0.48% |
| Q1 2025 | 14.44% | 14.44% | 15.42% | 8.85% | 0.67% |
| Q2 2025 | 14.37% | 14.37% | 15.34% | 8.70% | 0.90% |
| Q3 2025 | 14.25% | 14.25% | 15.22% | 8.77% | 0.89% |
| Q4 2025 | 14.53% | 14.53% | 15.53% | 8.86% | 0.71% |
| Q1 2026 | 14.48% | 14.48% | 15.48% | 9.08% | 1.08% |
| Q2 2026 | 14.44% | 14.44% | 15.45% | 8.79% | 1.11% |
The Harvard State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Harvard State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Harvard State Bank profile, peer group comparison, or how this data updates.
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