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This institution is no longer active

Operations ceased on April 1, 2010. CRA examination history below reflects the period it was active.

HARVARD STATE BANK

HARVARD, NE · Supervised by FDIC

Est. 1930FDIC #14,313RSSD: FDIC-14313
Part ofHARVARD STATE CO→ View all charters
Satisfactory Same

Current rating · Exam: December 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.01%

Institution Profile

FDIC BankFind

Address

302 North Clay Avenue, HARVARD, NE

County

Clay County

Established

May 18, 1930

Total Assets

$36M(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

December 1, 2009

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 16 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 Q1 2010Call Report / FDIC

Total Assets

$36M

Total Deposits

$30M

Net Loans

$32M

Net Income

$1K

ROA

0.01%

ROE

0.08%

Risk-Based Capital

14.73%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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