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Harwood State Bank

Harwood, ND
IDRSSD: 813059
Total Assets
$47.68M
Latest filing
Total Deposits
$40.13M
Latest filing
Net Interest Margin
4.80%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date07/14/1919
Community BankYes
Ownership TypeNot Mutual
ZIP58042
State and County Number38017
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number09
Numeric code21
Insured by FDICInstitution closed or not insured by FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameFargo, ND-MN

Operational Info

Number of Employees6
Domestic Offices1
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date12/06/2024
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
WebsiteN/A
Data Updated11/28/2025
CERT9128
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$47.68M
Total Deposits$40.13M
Total Liabilities$41.16M
Total Equity Capital$6.52M
Net Income$16.00k
Net Loans and Leases$28.81M
Assets Per Employee ($Millions)$7.95M
Bank Premises and Fixed Assets$881.00k
Cash and Balances due from Depository Institutions$5.20M
Deposits Held in Domestic Offices$40.13M

Key Performance Ratios

Return on Assets (ROA)0.14%
Return on Equity (ROE)0.98%
Net Interest Margin4.8%
Efficiency Ratio81.35%
Tier 1 Risk-Based Capital Ratio10.533%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets13.672%
Earning Assets to total Assets86.34%

Income and Expense

Total Interest Income$648.00k
Total Noninterest Income$16.00k
Total Interest Expense$160.00k
Total Noninterest Expense$487.00k
Net Interest Income$488.00k
Pre-tax Net Operating Income$17.00k
Provision for Credit Losses$0
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$766.00k
Federal Funds Sold & Reverse Repurchase Agreement$7.66M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$262.00k
Total Liabilities and Capital$47.68M

Securities

Securities$1.39M
Available-for-sale debt securities$945.00k
Equity securities with readily determinable fair values not held for trading—
Held-to-maturity securities$448.00k
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Harwood State Bank?
$47.68M as of the latest filing.
How much are Harwood State Bank's total deposits?
$40.13M in total deposits.
Where is Harwood State Bank located?
Harwood, ND.
What is the Net Interest Margin?
4.80%.
How many domestic offices does it operate?
1.
When was it established?
07/14/1919.
What is the Return on Assets (ROA)?
0.14%.
How much are total loans and leases?
$28.81M (latest filing).
What is the total interest income (latest filing)?
$648.00k.