The Harvard State Bank is a bank based in Harvard, Illinois, established in 1866, with $327 million in total assets across 5 branches. By Trust Grade it ranks 267th of 328 banks we track in Illinois. Its capital ratio of 7.9% trails most similarly sized banks (14th percentile), versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 1.09% return on assets. No consumer complaints against The Harvard State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The Harvard State Bank compares to Illinois peers
How we graded The Harvard State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.9% capital ratio)
- Strongly profitable (ROA 1.09%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The Harvard State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (5)
- 1265 South Division Street, Harvard, IL 60033
- 2470 Eastrock Dr, Rockford, IL 61108
- 33 N Ayer St, Harvard, IL 60033
- 9605 Main St, Hebron, IL 60034
- 510 W Washington St, Oregon, IL 61061
Are deposits at The Harvard State Bank insured?
Yes. The Harvard State Bank is an FDIC-insured bank (FDIC certificate #9079). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The Harvard State Bank: frequently asked questions
Is The Harvard State Bank a good bank?
The Harvard State Bank earns a Bankzia Trust Grade of A (90/100, "Excellent"), based on a financial-strength score of 90/100 (it has no CFPB complaints on record). Well-capitalized (7.9% capital ratio); Strongly profitable (ROA 1.09%).
Is The Harvard State Bank FDIC-insured?
Yes. The Harvard State Bank is a FDIC-insured bank (FDIC certificate #9079). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The Harvard State Bank?
The Harvard State Bank holds $327 million in total assets, ranking 267th of 328 banks we track in Illinois. It operates 5 branches.
Does The Harvard State Bank have CFPB complaints?
No CFPB complaints against The Harvard State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
