This institution is no longer active

Operations ceased on August 1, 2016. CRA examination history below reflects the period it was active.

HARVARD SAVINGS BANK

HARVARD, IL · Supervised by FDIC

Est. 1934FDIC #28,938RSSD: FDIC-28938

Part ofHARVARD ILLINOIS BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: February 2014

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.82%

Institution Profile

FDIC BankFind

Address

58 N. Ayer St., HARVARD, IL

County

Mchenry County

Established

June 1, 1934

Total Assets

$142M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2014

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 12 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2016Call Report / FDIC

Total Assets

$142M

Total Deposits

$119M

Net Loans

$101M

Net Income

$584K

ROA

0.82%

Above avg for Small banks. Peer avg: 0.44%

ROE

8.56%

Risk-Based Capital

13.29%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.82%Peer avg: 0.44%▲ Above avg

Risk-Based Capital13.29%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate7.02%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	57	71.93%	7.02%
2023	62	74.19%	14.52%
2022	109	85.32%	8.26%
2021	207	78.74%	7.25%
2020	335	80.9%	11.34%
2019	135	80.74%	13.33%
2018	116	76.72%	12.93%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Feb 2014	Satisfactory	Small Bank
Nov 2008	Satisfactory	Small Bank
Jul 2003	Satisfactory	Small Bank

1 previous rating locked — back to 1998

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/26f1e28a-5449-40fd-9814-487f9d872074"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: