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The Harvard State Bank
Harvard, IL · FDIC Certificate #9079 · Chartered 08/0
Total assets
$331.47M
Total deposits
$294.02M
Total equity
$27.32M
Net loans
$191.11M
Branches (offices)
5
Net income (YTD)
$1.86M
Rank: #2,329 of 4,213 U.S. banks by assets · #144 of 322 in Illinois. Assets changed 5.5% and deposits 4.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.13% |
| Return on equity | 13.96% |
| Net interest margin (YTD) | 3.25% |
| Equity to assets | 8.24% |
| Tier 1 leverage ratio | 8.79% |
| Uninsured deposits (share of deposits) | 24.6% |
| Noncurrent loans (share of loans) | 0.26% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 65.0% |
| Real estate loans (share of loans) | 94.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $179.81M | 94.1% | |
| Commercial & industrial | $11.66M | 6.1% | |
| Consumer / individual | $897.00K | 0.5% | |
| Construction & development | $8.08M | 4.2% | |
| Agricultural | $293.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $322.33M | $300.65M | $1.49M | $17.86M |
| Jun 2023 | $305.19M | $273.97M | $845.00K | $18.26M |
| Jun 2024 | $305.24M | $274.52M | $610.00K | $20.34M |
| Jun 2025 | $314.30M | $280.32M | $1.29M | $23.31M |
| Jun 2026 | $331.47M | $294.02M | $1.86M | $27.32M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $294.02M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $294.02M.
Similar-sized banks
Copiah Bank ($332.23M) · Woodlands National Bank ($331.01M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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