First State Bank of Harvey
Total assets
$94.6M
▲ +2.3% YoY
Deposits
$84.6M
▼ -0.6% YoY
Loans
$34.8M
▲ +11.0% YoY
Offices
2
FIRST HARVEY BCORP INC
ROA (annualized)
1.00%
peers 0.99%
ROE (annualized)
12.20%
peers 8.07%
Peer comparison 537 banks with <100M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +3.0% | -0.7 pts |
| Deposit growth (YoY) | -0.6% | +2.5% | -3.1 pts |
| Loan growth (YoY) | +11.0% | +2.6% | +8.4 pts |
| ROA | 1.00% | 0.99% | +0.0 pts |
| ROE | 12.2% | 8.1% | +4.1 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
Profile
- Established
- 1913
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIRST HARVEY BCORP INC
- Specialization
- Agricultural Specialization
- Address
- 700 Lincoln Ave, Harvey, ND, 58341
- County
- Wells
- Offices
- 2
- FDIC cert #
- 8383
- RSSD ID
- 997557
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $94.6M | $84.6M | $34.8M | $8.1M | $481K | 1.00% | 2.94% | 0.42% |
| Q1 2026 | $100.4M | $91.9M | $31.4M | $7.7M | $244K | 1.00% | 2.80% | 0.46% |
| Q4 2025 | $94.8M | $86.1M | $36.0M | $7.9M | $880K | 0.94% | 2.76% | 0.28% |
| Q3 2025 | $96.0M | $87.6M | $34.0M | $7.5M | $622K | 0.89% | 2.69% | 0.36% |
| Q2 2025 | $92.5M | $85.0M | $31.4M | $6.5M | $318K | 0.69% | 2.66% | 0.39% |
| Q1 2025 | $95.5M | $88.5M | $27.7M | $6.2M | $188K | 0.82% | 2.67% | 0.25% |
| Q4 2024 | $88.7M | $82.4M | $32.6M | $5.6M | $744K | 0.83% | 2.55% | 0.05% |
| Q3 2024 | $88.8M | $81.0M | $32.4M | $6.9M | $526K | 0.79% | 2.58% | 0.19% |
Loan mix (Q2 2026): real estate $22.3M · commercial $3.2M · consumer $4.0M · securities $55.5M
Ratio pack Q2 2026 · peer medians from 537 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.99% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 8.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.88% | 14th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.6% | 70.8% | 43th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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