HARVARD STATE BANK
HARVARD, ILLINOIS · FDIC Cert #9079
Capital & Safety Analysis
According to FDIC financial data, HARVARD STATE BANK holds a Tier 1 capital ratio of 14.62%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning HARVARD STATE BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
HARVARD STATE BANK shows strong financial health indicators. With $305M in assets and a Health Score of 92/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
HARVARD STATE BANK has a Bank Health Score of A (92/100). It holds a Tier 1 capital ratio of 14.62%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
HARVARD STATE BANK holds $305M in total assets and $275M in total deposits. It is located in HARVARD, ILLINOIS (FDIC Certificate #9079).
HARVARD STATE BANK has a Tier 1 capital ratio of 14.62%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.12%, and the return on assets is 0.40%.
Yes. HARVARD STATE BANK is FDIC-insured (Certificate #9079). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.