Harvard, IL · Cert 9079 · Harvard Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #93 of 147 inst. · $0.2B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.32% | 0.54% | 0.65% | 0.68% | 0.65% | 0.87% | 0.90% | +25 bps | |
| Return on Equity | 4.31% | 4.70% | 7.85% | 9.13% | 9.31% | 8.81% | 10.80% | 11.07% | +194 bps | |
| Net Interest Margin | 2.20% | 2.28% | 2.51% | 2.54% | 2.61% | 2.64% | 2.92% | 2.88% | +33 bps | |
| Efficiency Ratio | 86.07% | 85.10% | 76.27% | 72.17% | 71.19% | 72.49% | 64.49% | 64.26% | -792 bps | |
| Non-Interest Burden | 1.84% | 1.88% | 1.82% | 1.73% | 1.75% | 1.81% | 1.74% | 1.71% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.44% | 1.14% | 2.96% | 2.97% | 1.48% | 4.44% | 4.69% | 5.46% | +249 bps | |
| Loan Growth (YoY) | 1.32% | 2.06% | 4.05% | 7.42% | 8.26% | 5.29% | 6.01% | 3.84% | -358 bps | |
| Deposit Growth (YoY) | 3.18% | 0.66% | 3.49% | 2.12% | 0.89% | 3.20% | 4.13% | 4.89% | +277 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.12% | 0.04% | 0.08% | 0.18% | 0.18% | 0.37% | 0.26% | +18 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.06% | 1.04% | 1.02% | 1.00% | 1.01% | 1.04% | 1.04% | 1.06% | +6 bps | |
| Allowance Coverage of NPLs | 5.1x | 8.8x | 22.7x | 12.3x | 5.7x | 5.7x | 2.8x | 4.0x | -8.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.54% | 8.77% | 8.85% | 8.70% | 8.77% | 8.86% | 9.08% | 8.79% | +10 bps | |
| Total Risk-Based Capital | 15.49% | 15.54% | 15.42% | 15.34% | 15.22% | 15.53% | 15.48% | 15.45% | +11 bps | |
| Equity / Assets | 7.23% | 6.80% | 7.08% | 7.42% | 7.72% | 8.13% | 7.92% | 8.24% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.77% | 62.73% | 64.49% | 66.36% | 65.21% | 64.00% | 65.65% | 65.69% | -66 bps | |
| Liquid Assets / Assets | 1.73% | 1.23% | 0.65% | 0.38% | 0.88% | 1.55% | 0.42% | 0.51% | +13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 323% | 327% | 322% | n/a | n/a | |