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 The Harvard State Bank
The Harvard State Bank
| RSSD ID 800134 | CERTIFICATE 9079 | ABA NUMBER 71905082 |
| 33 N Ayer St |
Quarter Ended : |
2025-12-31 |
| Harvard, Illinois, 60033 |
Updated : |
2026-01-26 |
| Institution Profile |
| Year Opened : |
1866 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
5 |
Number of Employees : |
46 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 327,808 |
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Total Interest Income | 14,729 |
| Total Liabilities | 301,146 |
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Total NonInterest Income | 1,134 |
| Total Bank Equity Capital | 26,662 |
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Total Interest Expense | 5,919 |
| Total Deposits | 291,117 |
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Total NonInterest Expense | 7,208 |
| Net Loans & Leases | 184,372 |
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Net Income | 2,620 |
| Loan Loss Allowance | 1,931 |
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Net Charge Offs | (3) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 31,537 |
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Total loans | 185,213 |
| Total assets for the leverage ratio | 333,105 |
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Loans secured by real estate: | 168,494 |
| Tier 1 Leverage Ratio | 8.86 |
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Commercial and industrial loans | 14,766 |
| Tier 1 Capital Ratio | 14.53 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 15.53 |
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Loans to individuals - Other | 820 |
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:· The Harvard State Bank
