Call reports 2026
HARVARD STATE BANK, THE — 2026
What HARVARD STATE BANK, THE reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 327,101,000 | 331,467,000 |
| Total loans | 191,397,000 | 193,158,000 |
| Allowance for loan losses | 1,990,000 | 2,050,000 |
| Securities available for sale | 111,818,000 | 109,344,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 291,548,000 | 294,023,000 |
| Interest-bearing deposits | 228,535,000 | 231,270,000 |
| Noninterest-bearing deposits | 63,013,000 | 62,753,000 |
| Equity capital | 25,911,000 | 27,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 3,738,000 | 7,796,000 |
| Interest expense | 1,333,000 | 2,816,000 |
| Net interest income | 2,405,000 | 4,980,000 |
| Noninterest income | 301,000 | 607,000 |
| Noninterest expense | 1,745,000 | 3,590,000 |
| Provision for loan losses | 58,000 | 118,000 |
| Pretax income | 903,000 | 1,878,000 |
| Income tax | 10,000 | 19,000 |
| Net income | 893,000 | 1,859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 29,939,000 | 30,461,000 |
| Total capital | 32,016,000 | 32,597,000 |
| Risk-weighted assets | 206,763,000 | 210,929,000 |