HARWOOD STATE BANK
HARWOOD, NORTH DAKOTA · FDIC Cert #9128
Capital & Safety Analysis
According to FDIC financial data, HARWOOD STATE BANK holds a Tier 1 capital ratio of 12.13%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning HARWOOD STATE BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
HARWOOD STATE BANK shows average financial health. While not alarming, its Health Score of 53/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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
HARWOOD STATE BANK has a Bank Health Score of C (53/100). It holds a Tier 1 capital ratio of 12.13%, 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.
HARWOOD STATE BANK holds $46M in total assets and $38M in total deposits. It is located in HARWOOD, NORTH DAKOTA (FDIC Certificate #9128).
HARWOOD STATE BANK has a Tier 1 capital ratio of 12.13%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 3.35%, and the return on assets is 1.40%.
Yes. HARWOOD STATE BANK is FDIC-insured (Certificate #9128). 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.