Harvard State Bank (FDIC #9079): Bank Stress & Real-Estate Credit Exposure

Harvard State Bank (FDIC Cert #9079): bank stress 74/100, elevated, STABLE over 7 days; parent HARVARD BANCSHARES INC.

Harvard State Bank (#9079) lends in 3 counties across 1 state; Harvard State Bank (#9079) reaches 71 ZIP codes: Illinois 3 counties, 71 ZIPs.

Harvard State Bank (#9079) largest markets: Ogle County, IL (27 branches, 27 ZIPs) (#9079), Winnebago County, IL (26 branches, 26 ZIPs) (#9079), Mchenry County, IL (72 branches, 24 ZIPs) (#9079).

Harvard State Bank (#9079) reports $331.5 million in total assets; Harvard State Bank (#9079) equity $27.3 million (8.2% of Harvard State Bank (#9079) assets); Harvard State Bank (#9079) domestic deposits $294.0 million; Harvard State Bank (#9079) net income $1.9 million; Harvard State Bank (#9079) return on assets 1.13%; Harvard State Bank (#9079) return on equity 13.96%; Harvard State Bank (#9079) net interest income $5.0 million; Harvard State Bank (#9079) call report June 30, 2026.

Harvard State Bank (#9079) noncurrent real-estate loans: none reported; Harvard State Bank (#9079) net charge-offs on real estate 0.28%; Harvard State Bank (#9079) residential charge-offs 0.17%.

Harvard State Bank (#9079) net interest margin 3.25% against an eight-quarter Harvard State Bank (#9079) average of 2.88% (Harvard State Bank (#9079) compression -0.37 points); Harvard State Bank (#9079) non-residential real estate 17.2% of equity; Harvard State Bank (#9079) rate-exposure score 40/100, Harvard State Bank (#9079) fixed-rate trap 40/100; Harvard State Bank (#9079) risk type credit driven; Harvard State Bank (#9079) rate regime rates elevated, Harvard State Bank (#9079) snapshot October 19, 2026.

Harvard State Bank (#9079) stress score moved from 74.6 on June 22, 2026 to 74.1 on October 20, 2026; Harvard State Bank (#9079) ranged 74.1 to 74.6 over 117 snapshots.

Harvard State Bank (#9079) alerts: 3 counties; top Harvard State Bank (#9079) alert scores: Hebron County, IL 26 (low); Oregon County, IL 26 (low); Rockford County, IL 26 (low).