# HARVARD STATE BANK
HARVARD, IL · FDIC certificate 9079 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $331.5M | |
| Deposits | $294.0M | |
| Loans and leases | $193.2M | |
| Total equity | $27.3M | |
| Loans / deposits | 65.00% (p19 of band) | 82.04% |
| Liquid assets / assets | 37.43% (p79 of band) | |
| Uninsured deposits / deposits | 24.62% (p45 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.72% (p46 of band) | |
| FHLB advances / assets | 2.72% | |
| Tier 1 leverage | 8.79% (p10 of band) | 10.81% |
| Unrealized securities loss / equity | -19.31% (p24 of band) | -8.10% |
| AOCI / equity | -1.02% (p22 of band) | |
| ROA (annualized) | 1.13% (p41 of band) | 1.28% |
| Net interest margin | 3.25% (p17 of band) | 3.91% |
| Efficiency ratio | 64.26% (p59 of band) | |
| Noncurrent loans | 0.26% (p39 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 402.75% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 29.56% (p36 of band) | |
| Auto loans | $499,000 (0.26% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.9% | |
| Employees | 51 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | noncurrent p90 |
| 2011-12 | 1 |  |  |
| 2012-03 | 4 | capital falling, losing money, charge-offs p90 |  |
| 2012-06 | 2 |  | capital falling, losing money |
| 2012-09 | 3 | noncurrent p90 |  |
| 2012-12 | 2 |  | noncurrent p90 |
| 2013-03 | 3 | losing money |  |
| 2013-06 | 4 | noncurrent p90 |  |
| 2013-09 | 4 | deposits shrinking, assets shrinking | losing money, noncurrent p90 |
| 2013-12 | 2 |  | deposits shrinking, assets shrinking |
| 2014-03 | 4 | deposits shrinking, assets shrinking |  |
| 2014-06 | 2 |  | deposits shrinking, assets shrinking |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | deposits shrinking |  |
| 2015-03 | 1 |  | charge-offs p90, deposits shrinking |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2016-06 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 2 | charge-offs p90 |  |
| 2019-09 | 3 | capital falling, noncurrent p90 | charge-offs p90 |
| 2019-12 | 2 |  | capital falling |
| 2020-03 | 1 |  | noncurrent p90 |
| 2020-06 | 2 | noncurrent p90 |  |
| 2020-09 | 2 | capital falling | noncurrent p90 |
| 2020-12 | 3 | charge-offs p90 |  |
| 2021-03 | 2 |  | capital falling |
| 2021-06 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 3 | capital falling |  |
| 2022-12 | 4 | noncurrent p90, reserve under noncurrent | capital falling |
| 2023-03 | 1 |  | AOCI drag >20% of equity, noncurrent p90, reserve under noncurrent |
| 2023-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 |  | assets shrinking |
| 2023-12 | 2 |  | deposits shrinking |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | uninsured deposits leaving |
| 2024-09 | 2 | capital falling, NIM <2.5% | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity | capital falling, NIM <2.5% |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-07-31 [Harvard State Bank to mark 160th anniversary with community luncheons in Harvard, Oregon - Shaw Local](https://news.google.com/rss/articles/CBMiygFBVV95cUxPN3B6bGJYbXJnSEtrRXNvbm9CdkJSZzBiY3B3d3BFUUtlQlBkdk5aaVNtY2pNdllDTW80WUxqTXl4U01uOGZneldKWFg2M19uYlVxVnhteENZQ2tvRXBDWXpFQmo4Q0RVNXVMdGp5bm1Bd1ZFand5ZHdXMVNYWjByVldoVk9XVzJMY2E5Y2xac1J6SENhUjI1NTNuSjhuQW1XWUdOSDJwOFNXSEl4V0tZU1FhbXdDYXFTcjF6SmNwQnJyd2pRMEZOS2VB?oc=5) · Shaw Local
- 2017-02-10 [The Harvard State Bank in Rockford robbed at knifepoint - Rockford Register Star](https://news.google.com/rss/articles/CBMikwFBVV95cUxNbU4wSHh3SDM2Z3JBYUxyaW80d3FZejNINkM4bEJGUTJ0d2VaMEF1a2VvM0pYSTNKV3I0aEUtcjNYckE2Tkt4Q3FvUWUyTVdnWG5sZ3BNV3Fod0lPV1pnXy0zN0hnUWJydmNoRjBaLWRSVDRaMUZFakxmbW9fVy1wUWhKaXRJLVVXbjd2QnpBWXA1cXM?oc=5) · Rockford Register Star
- 2015-01-08 [Harvard State Bank names new leader - Shaw Local](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQM2ZkaWZ6NUdjclZmUm1EWUFncERlaTNQN1p5LXpiRW1ka19JM2c1NDEwa2gyd3VzZ2cxVk5CR05rbUNCR1BQOXBzQ2YzamhJc3pYd1dBODlWOFhpU1lQblVOR19sT1FGYl9zc1BheGVqWFBSNjlEUmp5cUFrU3FEMWFuenRackJs?oc=5) · Shaw Local
- 2009-07-02 [Regulators close Rock River Bank - Rockford Register Star](https://news.google.com/rss/articles/CBMilAFBVV95cUxNcUlWMmhxRVA1cG9WUVUwbm9Xd3VzX0pQRktSck8wSHNNSFZWeGI0NkszM29KX3Z0dTBwWHE3RXg3Y3g2NktyQjZNakdpUExrWW1FV1Z6NFBlR3NpTTM0RkJRdHZkOFAwS3JfbWV4V2lNMWU3eVFaSV9NMmpUWXhGcUZla2VDdG1CS2pPbVFDTmY0WVlY?oc=5) · Rockford Register Star
- 2020-02-05 [Kirkpatrick, Raine join The Harvard State Bank Board of Directors - Shaw Local](https://news.google.com/rss/articles/CBMirwFBVV95cUxNZUF1d29YTWJXOUdpU3gwRUF6RVUxR1A1Z1cwMzFFX19Od2NTbHBrazlXUWlZV19tMmNwdE5Ycm5VNnNsYWx5MXBKX0tjcWRmMXFVRFlwTktnNmdEN2Zyc0RiaktWaVZQUmczYkRoUXpkSXE3aWhxNVdXWjJhc0FFdThUSFVQYVBFTC03VWg0NzFlSlRXb1Y2NE8zSkE4MFpHVGFYaDdoSEhCWHVQTW9v?oc=5) · Shaw Local
- 2014-11-02 [Two join Harvard State Bank board of directors - Shaw Local](https://news.google.com/rss/articles/CBMilwFBVV95cUxQdHNfUzFGN190cjM5MGNYWlRMcDRCWkFnWEtkaHZITkdpWFo3bjFFaE1hcmo0WmNBaU9xMmNVMHF6RExod0k4VE5FcThQVFpvZ0VpeXZmME82SEFuOXpYY3VjYm9PTkg5TUpiWlo2aDlIUjRITzdxNWVTbDc4N1ZkWDNWZDhZY3ZVQWctNDY4Z0dZVTV3OWRN?oc=5) · Shaw Local
- 2017-01-17 [Bank robberies in Rockford region doubled last year - Rockford Register Star](https://news.google.com/rss/articles/CBMingFBVV95cUxQYVFfbWg2VnJPNHg0NG52OUdfdEZpdU9fRDhUX1RaT1FFWExWbzlvdkdDTXdqSWVPYkZjVmY5VVI1TFBvd2ZRRlRqdkUyOHBPWVhvdTN3QVBtckR5YlNjOTFNYko1dmtvTlFTeDg1VU1ZeEtDNldXZmJZX19NbzQyd1FuT0l2YjNxU3F0TG1td3M2TjlLWUo2TEJlemVOUQ?oc=5) · Rockford Register Star
- 2015-04-05 [Lamick promoted at Harvard State Bank - Shaw Local](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQOHpVOGFBckc2amY0MEFURDQ4MU5aVUxYRUZYODZjSTNtcXhsMlpnOHFDNWIyQ3VYcm9uU1JLa0RLZ3FXS3VVcEE4Vk1ETjFqZHRtZ2N1eWRrdDBFeW0tMC1Qdk03VVg5SjVkVVNhOUxiQTlqQ2tELVVfd2ZxQmZiUnlLU0dlMmZVM0pZ?oc=5) · Shaw Local

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9079 (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/55.json (key "9079", 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