Is Harvard State Bank Safe?
Harvard State Bank has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (36/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.62% | 97/100 |
| Nonperforming Loan Ratio | 0.12% | 98/100 |
| Liquidity Ratio | 37.42% | 100/100 |
| Return on Assets | 0.40% | 36/100 |
| Total Assets | $0.3B | |
How does Harvard State Bank compare?
With a Bank Health Score of 92/100, Harvard State Bank sits 22.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, Harvard State Bank ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 14.62% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.12% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Harvard State Bank's Bank Health Score held roughly steady at 92/100. Tier 1 capital weakened by 0.27 percentage points to 14.62%. Quarter-over-quarter, the score fell by 1.0 points.
Harvard State Bank has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (36/100).