The Harvard State Bank

Overview / Commentary
35 North Ayer Street
Harvard, IL 60033

The Harvard State Bank is headquartered in HARVARD and is the 154th largest bank in the state of Illinois. It is also the 2,437th largest bank in the nation. It was established in 1866 and as of June of 2023, it had grown to 52 employees at 5 locations. The Harvard State Bank has a B health rating.


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Health Grade Components

FDIC Certificate #9079
Year Established1866
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD9.51%
Annual Interest Income$5.9MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$305.2MM$322.3MM
LoansQ2 2023vs Q2 2022$162.8MM$152.3MM
DepositsQ2 2023vs Q2 2022$274.0MM$300.7MM
Equity CapitalQ2 2023vs Q2 2022$18.3MM$17.9MM
Loan Loss AllowanceQ2 2023vs Q2 2022$1.9MM$1.9MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$433.00K$288.00K
Real Estate OwnedQ2 2023vs Q2 2022$65.00K$40.00K
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The Harvard State Bank CD Rates

5.10%$5k-8 Month CD Special with Checking
4.84%$5k-8 Month CD Special
4.84%$5k-20 Month CD Special

The Harvard State Bank Locations
Rock River Bank Branch510 W WashingtonOregon, IL 61061
Division Street Branch1265 South Division StreetHarvard, IL 60033
East Rockford Branch2470 East Rock DriveRockford, IL 61108
The Harvard State Bank33 N Ayer StHarvard, IL 60033
Hebron State Branch9605 Main StreetHebron, IL 60034

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