# HARVARD SAVINGS BANK
HARVARD, IL · FDIC certificate 28938 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $141.6M | |
| Deposits | $118.8M | |
| Loans and leases | $102.0M | |
| Total equity | $14.0M | |
| Loans / deposits | 84.67% (p68 of band) | 74.58% |
| Liquid assets / assets | 15.99% (p15 of band) | |
| Uninsured deposits / deposits | 5.62% (p13 of band) | 14.02% |
| Brokered deposits | 2.82% | |
| Wholesale funding | 8.64% (p78 of band) | |
| FHLB advances / assets | 5.82% | |
| Tier 1 leverage | 9.82% (p33 of band) | 10.79% |
| Unrealized securities loss / equity | 0.51% (p25 of band) | 2.02% |
| AOCI / equity | 0.16% (p24 of band) | |
| ROA (annualized) | 0.82% (p47 of band) | 0.86% |
| Net interest margin | 3.59% (p46 of band) | 3.65% |
| Efficiency ratio | 85.92% (p81 of band) | |
| Noncurrent loans | 3.97% (p94 of band) | 0.67% |
| Net charge-offs (annualized) | 0.19% (p87 of band) | |
| Reserve coverage of noncurrent | 34.14% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $4.4M (4.29% of loans; DQ 0.18%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -11.6% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | losing money |  |
| 2011-12 | 3 | capital falling, noncurrent p90 | losing money |
| 2012-03 | 1 |  | capital falling, noncurrent p90 |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 4 | leverage <7%, losing money, noncurrent p90, reserve under noncurrent |  |
| 2014-12 | 6 | wholesale funding >15%, charge-offs p90 |  |
| 2015-03 | 4 |  | leverage <7%, losing money |
| 2015-06 | 4 | assets shrinking | wholesale funding >15% |
| 2015-09 | 5 | deposits shrinking |  |
| 2015-12 | 6 | uninsured deposits leaving |  |
| 2016-03 | 6 |  |  |
| 2016-06 | 5 |  | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-27 [First Secure Bank to hold free shred events in Johnsburg, Harvard - Shaw Local](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNRGpfMjV5UHQ0dmVUcnQ1a3FwSkpYR0kyUDBBeHJwdFY3UTdFa3RSQlhwLVV4WWVSTU9rWFAwaTdBVnVZa3pWOWdHN2tDdXhlMUc2aEctLVhoOGo5VWVZaTlZV0JJX2pBNHZlQWRQWlVSS3FnZWFpSjFtanRZTEk5N2ZvZkR2ZGVGWGpwYWFIUFRrM2xzN3JielM4dkE4c1BQUHpWSEE1VnRjVmNib0hEZDFFZkFlaE96TjRJ?oc=5) · Shaw Local
- 2012-05-23 [Battle for Harvard Savings Bank - Shaw Local](https://news.google.com/rss/articles/CBMigwFBVV95cUxOSjlhcnJjTDdkTjV4NkRlNXNleldkUUxCcmRyZlpfOXFLTGpSRjBIZlN6LTNkZWRYaEFOR1N5ZE9xOG5LN3hhR3NGSWJBQnZBMldsVm5iVTRJaE1WSUQwNC1Vak5wNFpmaTVWbjAtekUzTFlRMnNwN181SHpONE56dGhSMA?oc=5) · Shaw Local
- 2017-07-11 [Duffield Seyller Obituary (1949 - 2017) - Harvard, IL - Northwest Herald - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNQXFYNFktYUdvQmZSc2lkanNfTmZlbXdnSGdRTW94OTZtTC1FYi1jeDU4S09BWjZnSF9aNERMSUZ2V3VVcm1kc2VDbWRLeWUwNXB2X3ZVME1vb1RkV1dFTmhqUEhDS29wUkp0aUd2NmhCTFVFYzNuU3dTOXlCUTNmX0pWd1lydEFXcUxVYU12Sjc?oc=5) · legacy.com
- 2024-01-26 [Carl Radebaugh Obituary (2024) - Harvard, IL - Saunders & McFarlin Funeral Home - Harvard - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQT1VPZDJjYTlrWjE3bzJXNFJNZ2w4dmNMYzJGY01vMDNkLVRaX05rZTBhZ3Y3RkNCUGNaMFFFZUpPbncyVVpsS1pGczN3eW5HNVhFNUZoLWo5SEJWQW9MMVZrTUxCMWh3QllackhpcVNTV0phUVJISzhJc1QyeDd0ZXBqSQ?oc=5) · legacy.com
- 2026-07-16 [Joliet bank to hold free shred event on Saturday - Shaw Local](https://news.google.com/rss/articles/CBMipAFBVV95cUxNSWpCd3NsaWl0TWtuelhSb2hmXy1OSWxHeG5KNjg0ZHJfWWo4M3F3Rm40WnU4SmJhV2ltdkYtNzFJOG9wVFljTWpvWTkwOURyWWs3akx6S2FidlNURDNJeFpLRUx3MTE0YVZINVNnTDRlRXp0YTlFNkJkM1daSTViTWJrVGNPU05ST1NSdF85WjJyNFNyOV9kVWJESGZjUmNscjlfdA?oc=5) · Shaw Local
- 2021-05-27 [Kenneth Santeler Obituary (2009) - Darien, IL - Northwest Herald - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQTHgzbWVSelhEY1NDMzUtUTl5QWNsNUVlUmJROEFMeUdmcjQyRDlkZTlhVmQ2Y1pQckZKbmV1Zm1YYTBITll6NmFTWlhPUnpjbFV6emo1VUdyX2hZYTJLejFIRDMzV2x6S2JjN1FkZ1RLZS1kVUJCYkNWVUh4Q2JvTEYtRnUwdjRObTBfT2xYM0s?oc=5) · legacy.com
- 2012-01-04 [Gordon J. Iverson Obituary (2012) - Harvard, IL - Northwest Herald - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOaTdJWk9TQWlEX3BZSi1LVjU3dzQ5cXJncjVYaDJzZ0lRaFBCajNvWUFRcm1TbnozUk0yRTdleHNWLVg0eU1zcUZJbDVZSmxPYnFMeDlxWGIya2xXTjlJRjJOeVljdjJvc0xQcy04OTRveHJ2SzFISGJ2ZG8xV2o3NnQxNFBYdHU3VmFzcVF4WGM?oc=5) · legacy.com
- 2018-03-12 [Florida Businessman Gets 25 Years in Jail in $179 Million Loan Fraud Case - littleindia.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNZmxNRmVTR0h4b1JjYXhDSXFULUF6SXVIcDdRcG01M0RWemk0Z2NvT19xUXdVQWduN2h3RHVYbE00OUpnVTN0OUJyUDBVUE04V2E2TFBlSDYyMjNNQTZfM0dIdU82dm9EQ25GSjEzODhOMHNwVl9DQ3YxTVg3Q3FYNEdQTlpZczBaNHp3YnQwVzhLOFg0VlRjSUZfMG1tZw?oc=5) · littleindia.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28938 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/10.json (key "28938", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide