The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 70).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Illinois

Yes. The Harvard State Bank is an FDIC-insured institution (FDIC certificate #9079). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.6% of deposits ($72.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.79%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.45% (benchmark: 10%).

Check how much of your own balance is covered

The Harvard State Bank lists 5 offices in 4 cities. Most locations:

• Harvard, IL (2)
• Hebron, IL (1)
• Oregon, IL (1)
• Rockford, IL (1)

All branch addresses and map

In 2025, The Harvard State Bank reported 36 home-loan applications under HMDA (LEI 549300TUISK0W7DE2464): 29 originated ($25,695,000 total), 3 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

The Harvard State Bank

Type

State-chartered bank

FDIC certificate #

9079

RSSD ID

800134

Primary regulator

FDIC

Holding company

Harvard Bancshares Inc

Established

August 1, 1866

Headquarters

33 N Ayer St, Harvard, IL 60033

Website

www.webhsb.com

Employees

51