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Harvard State Bank, The

Harvard, IL · Cert 9079 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Harvard Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$331.5MAssets
$193.2MLoans
$294.0MDeposits
$27.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 56).
  • Widest gap: equity / assets trails 91% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 52 of 57).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.89%

Rank 28 of 57

Net Interest Margin

2.88%

Rank 47 of 57

Efficiency Ratio

64.26%

Rank 23 of 57

Equity / Assets

8.24%

Rank 52 of 57

Non-interest income vs. expense

$1.2M$7.2MINCOMEEXPENSE
Unfavorable gap of $6.0M · efficiency ratio beats 61% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 64.26%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.89%0.51%0.84%1.19%Beats 51%28 / 57
Return on Equity10.79%3.13%7.76%11.40%Beats 67%19 / 57
Net Interest Margin2.88%3.16%3.63%4.08%Beats 18%47 / 57
Efficiency Ratio64.26%59.57%69.70%81.06%Beats 61%23 / 57
Asset Quality
Nonperforming Loans / Loans0.26%0.06%0.34%1.78%Beats 55%26 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio14.44%12.24%16.06%19.69%Beats 46%31 / 57
Total Risk-Based Capital Ratio15.45%12.54%16.50%20.95%Beats 46%31 / 57
Equity / Assets8.24%9.37%11.56%15.00%Beats 9%52 / 57
Liquidity & Funding
Loans / Deposits65.69%66.29%85.59%95.16%23rd pctl44 / 57
Loans / Assets58.27%57.07%71.07%78.13%28th pctl41 / 57
Brokered Deposits / Depositsn/aNot reported for this institution