Side-by-side · Q2 2026 data
The Havana National Bank vs The Harvard State Bank
Metric by metric
| Measure | The Havana National Bank | The Harvard State Bank |
|---|---|---|
| TellerScore | 55 | 70 (stronger) |
| Capital cushion | 72 (stronger) | 38 |
| Loan quality | 10 | 91 (stronger) |
| Earnings | 85 (stronger) | 65 |
| Funding & liquidity | 48 | 85 (stronger) |
| Problem-loan coverage | 69 | 97 (stronger) |
| Peer percentile | 11th | 43rd |
| Total assets | $332.8M | $331.5M |
| Deposits / shares | $234.2M | $294.0M |
| Capital ratio | 12.17% (stronger) | 8.79% |
| Problem loans | 2.69% | 0.26% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.63% (stronger) | 1.13% |
| Loans ÷ deposits | 98.1% | 65.0% (stronger) |
| Uninsured deposits | 28.0% | 24.6% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.5% | 9.4% |
The Harvard State Bank has the higher TellerScore (70 vs 55). On the 7 directional measures above (where higher or lower is clearly better), The Havana National Bank leads on 2 and The Harvard State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.