The Harvard State Bank: how it compares with its peers
Against 142 IL banks with half to twice its assets, The Harvard State Bank's strongest measure in Q2 2026 is efficiency ratio (64.26% vs. a 64.58% peer median). Its weakest relative measure is net interest margin (3.25% vs. 3.70%).
| Measure | The Harvard State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.13% | 1.16% | Middle third Ahead of 47% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.25% | 3.70% | Bottom third Ahead of 24% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.26% | 64.58% | Middle third Ahead of 51% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $6.8M | Middle third Ahead of 45% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.00% | 75.45% | Context |
What it means for lending operations
Its efficiency ratio of 64.26% is better than the 64.58% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Havana National Bank Havana, IL · $333M
- First State Bank of Forrest Forrest, IL · $328M
- The First Trust and Savings Bank of Watseka, Illinois Watseka, IL · $337M
- The First National Bank in Amboy Amboy, IL · $325M
- Farmers State Bank Pittsfield, IL · $340M
- Forest Park National Bank and Trust Company Forest Park, IL · $322M
Questions about The Harvard State Bank
How big is The Harvard State Bank?
The Harvard State Bank, established in 1866, is headquartered in Harvard, IL. It reported $331M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is The Harvard State Bank's return on assets?
1.13% annualized in Q2 2026, against a 1.16% median for 142 IL banks with half to twice its assets, ahead of 47% of them.
What is The Harvard State Bank's efficiency ratio?
64.26% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 64.58%, and lower is better.
Is The Harvard State Bank growing its loans?
Net loans grew 3.8% over the year to Q2 2026, while deposits grew 4.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.