The Harvard State Bank

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.webhsb.com

815-943-4400

35 North Ayer Street
Harvard, IL 60033

The Harvard State Bank is headquartered in HARVARD and is the 153^rd largest bank in the state of Illinois. It is also the 2,447^th largest bank in the nation. It was established in 1866 and as of March of 2025, it had grown to 46 employees at 5 locations. The Harvard State Bank has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	9079
Year Established	1866
Employees	46
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.69%
Return on Equity - YTD	9.96%
Annual Interest Income	$3.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$312.5MM$303.5MM
Loans	Q1 2025vs Q1 2024	$178.7MM$171.7MM
Deposits	Q1 2025vs Q1 2024	$280MM$270.5MM
Equity Capital	Q1 2025vs Q1 2024	$22.1MM$19.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.8MM$1.8MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$81K$209K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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The Harvard State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.15%	$5k	-	3 Month CD Special
3.82%	$5k	-	18 Month CD Special

The Harvard State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.91%	$5k	-	12 Month IRA Special

Locations

The Harvard State Bank Locations
Rock River Bank Branch	510 W Washington	Oregon, IL 61061
Division Street Branch	1265 South Division Street	Harvard, IL 60033
East Rockford Branch	2470 East Rock Drive	Rockford, IL 61108
The Harvard State Bank	33 N Ayer St	Harvard, IL 60033
Hebron State Branch	9605 Main Street	Hebron, IL 60034

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