The Harvard State Bank

Overview / Commentary
35 North Ayer Street
Harvard, IL 60033

The Harvard State Bank is headquartered in HARVARD and is the 155th 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 December 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 - YTD0.39%
Return on Equity - YTD6.81%
Annual Interest Income$12.4MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$310.3MM$311.8MM
LoansQ4 2023vs Q4 2022$171.6MM$156.7MM
DepositsQ4 2023vs Q4 2022$280.2MM$294.7MM
Equity CapitalQ4 2023vs Q4 2022$20.3MM$16.4MM
Loan Loss AllowanceQ4 2023vs Q4 2022$1.8MM$1.8MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$481K$2.2MM
Real Estate OwnedQ4 2023vs Q4 2022$0$65K
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The Harvard State Bank CD Rates

4.76%--7 Month CD Special w/DDA
4.55%--7 Month CD Special w/IRA

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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