Side-by-side · Q2 2026 data
The Harvard State Bank vs Forest Park National Bank and Trust Company
Metric by metric
| Measure | The Harvard State Bank | Forest Park National Bank and Trust Company |
|---|---|---|
| TellerScore | 70 (stronger) | 39 |
| Capital cushion | 38 (stronger) | 33 |
| Loan quality | 91 (stronger) | 17 |
| Earnings | 65 (stronger) | 56 |
| Funding & liquidity | 85 (stronger) | 54 |
| Problem-loan coverage | 97 (stronger) | 56 |
| Peer percentile | 43rd | 2nd |
| Total assets | $331.5M | $322.4M |
| Deposits / shares | $294.0M | $288.0M |
| Capital ratio | 8.79% (stronger) | 8.32% |
| Problem loans | 0.26% (stronger) | 2.48% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.13% (stronger) | 0.91% |
| Loans ÷ deposits | 65.0% (stronger) | 86.7% |
| Uninsured deposits | 24.6% (stronger) | 32.9% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.4% | 2.3% |
The Harvard State Bank has the higher TellerScore (70 vs 39). On the 7 directional measures above (where higher or lower is clearly better), The Harvard State Bank leads on 6 and Forest Park National Bank and Trust Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.