| Metric | The Harvard State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.4% | +1.1 pts |
| Deposit growth (YoY) | +4.9% | +4.0% | +0.9 pts |
| Loan growth (YoY) | +3.8% | +5.6% | -1.8 pts |
| ROA | 1.13% | 1.24% | -0.1 pts |
| ROE | 14.0% | 11.9% | +2.1 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $331.5M | $294.0M | $191.1M | $27.3M | $1.9M | 1.13% | 3.25% | 0.15% |
| Q1 2026 | $327.1M | $291.5M | $189.4M | $25.9M | $893K | 1.09% | 3.15% | 0.22% |
| Q4 2025 | $327.8M | $291.1M | $184.4M | $26.7M | $2.6M | 0.82% | 2.98% | 0.10% |
| Q3 2025 | $324.1M | $288.2M | $186.0M | $25.0M | $2.0M | 0.85% | 2.93% | 0.10% |
| Q2 2025 | $314.3M | $280.3M | $184.2M | $23.3M | $1.3M | 0.82% | 2.89% | 0.05% |
| Q1 2025 | $312.5M | $280.0M | $178.7M | $22.1M | $541K | 0.69% | 2.76% | 0.03% |
| Q4 2024 | $313.9M | $282.1M | $175.1M | $21.3M | $1.2M | 0.40% | 2.54% | 0.07% |
| Q3 2024 | $319.4M | $285.6M | $171.8M | $23.1M | $858K | 0.37% | 2.50% | 0.11% |
Loan mix (Q2 2026): real estate $179.8M · commercial $11.7M · consumer $897K · securities $109.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Harvard State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 1.24% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 11.9% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.3% | 62.9% | 54th |
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% |
| Ratio | The Harvard State Bank | 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% |
| Ratio | The Harvard State Bank | 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% |
| Ratio | The Harvard State Bank | 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% |
| Ratio | The Harvard State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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