The Harvard State Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $327M | $292M | $189M | $26M | $893K | 1.09% | 13.59% | 3.15% | 0.37% |
| Q4 2025 | $328M | $291M | $184M | $27M | $595K | 0.82% | 11.06% | 2.98% | 0.18% |
| Q3 2025 | $324M | $288M | $186M | $25M | $739K | 0.85% | 11.77% | 2.93% | 0.18% |
| Q2 2025 | $314M | $280M | $184M | $23M | $745K | 0.82% | 11.56% | 2.89% | 0.08% |
| Q1 2025 | $312M | $280M | $179M | $22M | $541K | 0.69% | 9.96% | 2.76% | 0.04% |
| Q4 2024 | $314M | $282M | $175M | $21M | $388K | 0.40% | 5.93% | 2.54% | 0.12% |
| Q3 2024 | $319M | $286M | $172M | $23M | $248K | 0.37% | 5.47% | 2.50% | 0.21% |
| Q2 2024 | $305M | $275M | $171M | $20M | $313K | 0.40% | 6.05% | 2.53% | 0.12% |
| Q1 2024 | $303M | $271M | $172M | $20M | $297K | 0.39% | 5.91% | 2.52% | 0.12% |
| Q4 2023 | $310M | $280M | $172M | $20M | $165K | 0.39% | 6.81% | 2.71% | 0.28% |
| Q3 2023 | $306M | $277M | $169M | $15M | $199K | 0.46% | 8.13% | 2.78% | 0.25% |
| Q2 2023 | $305M | $274M | $163M | $18M | $300K | 0.55% | 9.51% | 2.85% | 0.26% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.