The Harvard State Bank
Harvard, IL
IDRSSD: 800134
Total Assets
$327.81M
Latest filing
Total Deposits
$291.12M
Latest filing
Net Interest Margin
3.11%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Harvard State Bank
33 N Ayer St
Harvard, IL 60033
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/01/1866FDIC Certificate 5812
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Harvard State Bank (Main) | 33 N Ayer St | Harvard, IL |
| DIVISION STREET BRANCH | 1265 South Division Street | Harvard, IL |
| ROCKFORD IL BRANCH | 2470 Eastrock Dr | Rockford, IL |
| HEBRON IL BRANCH | 9605 Main St | Hebron, IL |
| OREGON IL BRANCH | 510 W Washington St | Oregon, IL |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/01/1866 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 60033 |
| State and County Number | 17111 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Chicago-Naperville-Elgin, IL-IN-WI |
Operational Info
| Number of Employees | 47 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.webhsb.com |
| Data Updated | 01/30/2026 |
| CERT | 9079 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $327.81M |
| Total Deposits | $291.12M |
| Total Liabilities | $301.15M |
| Total Equity Capital | $26.66M |
| Net Income | $595.00k |
| Net Loans and Leases | $184.37M |
| Assets Per Employee ($Millions) | $7.13M |
| Bank Premises and Fixed Assets | $4.85M |
| Cash and Balances due from Depository Institutions | $10.23M |
| Deposits Held in Domestic Offices | $291.12M |
Key Performance Ratios
| Return on Assets (ROA) | 0.73% |
| Return on Equity (ROE) | 9.21% |
| Net Interest Margin | 3.11% |
| Efficiency Ratio | 76.06% |
| Tier 1 Risk-Based Capital Ratio | 14.534% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.133% |
| Earning Assets to total Assets | 93.43% |
Income and Expense
| Total Interest Income | $3.80M |
| Total Noninterest Income | $287.00k |
| Total Interest Expense | $1.44M |
| Total Noninterest Expense | $2.01M |
| Net Interest Income | $2.36M |
| Pre-tax Net Operating Income | $604.00k |
| Provision for Credit Losses | $30.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $9.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.16M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.03M |
| Total Liabilities and Capital | $327.81M |
Securities
| Securities | $115.68M |
| Available-for-sale debt securities | $115.68M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Harvard State Bank?
$327.81M as of the latest filing.
How much are The Harvard State Bank's total deposits?
$291.12M in total deposits.
Where is The Harvard State Bank located?
Harvard, IL.
What is the Net Interest Margin?
3.11%.
How many domestic offices does it operate?
5.
When was it established?
08/01/1866.
What is the Return on Assets (ROA)?
0.73%.
How much are total loans and leases?
$184.37M (latest filing).
What is the total interest income (latest filing)?
$3.80M.