Side-by-side · Q2 2026 data
The Harvard State Bank vs The First National Bank in Amboy
Metric by metric
| Measure | The Harvard State Bank | The First National Bank in Amboy |
|---|---|---|
| TellerScore | 70 | 78 (stronger) |
| Capital cushion | 38 | 57 (stronger) |
| Loan quality | 91 | 99 (stronger) |
| Earnings | 65 (stronger) | 60 |
| Funding & liquidity | 85 | 94 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 43rd | 72nd |
| Total assets | $331.5M | $324.5M |
| Deposits / shares | $294.0M | $264.9M |
| Capital ratio | 8.79% | 10.67% (stronger) |
| Problem loans | 0.26% | 0.04% (stronger) |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 1.13% (stronger) | 1.01% |
| Loans ÷ deposits | 65.0% | 49.6% (stronger) |
| Uninsured deposits | 24.6% | 20.2% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.4% | — |
The First National Bank in Amboy has the higher TellerScore (78 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Harvard State Bank leads on 1 and The First National Bank in Amboy on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.