Bank · FDIC insured
Harvard State Bank
A $331.5M bank headquartered in Harvard, IL, with 5 branches in Illinois.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Savings: no rate at the amounts we compare. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings—0.50%Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Harvard State Bank
Established in 1866 as The Harvard Bank to support economic growth in Harvard, Illinois, the institution was officially incorporated under its current name in 1919.
The bank expanded its regional footprint by acquiring Hebron State Bank in 2001 and Rock River Bank in 2009.
- Headquarters
- 33 N Ayer St, Harvard, IL 60033
- FDIC certificate
- 9079 ↗
Branches
5 branches in Illinois
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Illinois
5 branches
Harvard area · 2
- The Harvard State BankMain office33 N Ayer St, Harvard, IL 60033Directions
- Division Street Branch1265 South Division Street, Harvard, IL 60033Directions
Hebron area · 1
- Hebron Il Branch9605 Main St, Hebron, IL 60034Directions
Oregon area · 1
- Oregon Il Branch510 W Washington St, Oregon, IL 61061Directions
Rockford area · 1
- Rockford Il Branch2470 Eastrock Dr, Rockford, IL 61108Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.79% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.26% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.13% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $66 | $81 | — |
- CapitalLeverage ratio8.79%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.26%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.13%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$66Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Harvard State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.