The Harvard State Bank logo

The Harvard State Bank in Harvard, IL

4.2/5

Unable to verify. Website currently inaccessible (HTTP 403 error). Cannot confirm Harvard State Bank's services, features, or current operations.

Data compiled from public sources · Rating from CreditDoc methodology

The Harvard State Bank Review

com) is currently returning an HTTP 403 Access Denied error, preventing verification of company information. The domain appears to be hosted on Akamai edge servers, but no accessible content could be retrieved to confirm the institution's details, service offerings, or operational status. Without access to official company information, account types, fees, or product details, a reliable profile cannot be constructed.

Standard banking institutions in this category typically offer checking, savings, CDs, and related financial services, but Harvard State Bank's specific offerings remain unverified. Consumers researching this institution should contact the bank directly or verify its FDIC charter status through official regulatory databases before opening accounts or conducting business.

Services & Features

Business banking
Checking accounts
FDIC insured deposits
Mortgage lending
Personal loans
Savings accounts

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • FDIC insured — deposits protected up to $250,000
  • Established in 1866
  • Local community bank with personal service
  • 5 locations

Cons

  • Website currently inaccessible (HTTP 403 Access Denied error) — cannot verify current services or operations
  • No publicly accessible information available to confirm account types, fees, or features
  • Unable to assess customer service channels, digital banking capabilities, or product offerings

Rating Breakdown

Value
5.0
Effectiveness
3.7
Customer Service
3.8
Transparency
4.0
Ease of Use
4.5

Mortgage Lending Transparency

The Harvard State Bank processed 55 mortgage applications in 2023, approving 83.6% of applicants across 3 states.

55

Applications

83.6%

Approval Rate

$349K

Avg Loan

3

States Served

Approval Rate by Applicant Income

Under $50K
83.3%
$50K–$100K
70%
$100K–$200K
81.8%
Over $200K
86.7%

Based on 55 applications. Income in thousands (reported by applicant).

Top Lending States

Illinois 39 apps · 79.5%
Wisconsin 14 apps · 92.9%
Florida 2 apps · 100%

Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.

Frequently Asked Questions

What services does The Harvard State Bank offer?

The Harvard State Bank offers 6 services including Checking accounts, Savings accounts, Personal loans, Mortgage lending, Business banking, and 1 more.

Who is The Harvard State Bank best suited for?

The Harvard State Bank is best suited for Local banking with personal service, FDIC-insured deposits, Small business banking.

What are the strengths and weaknesses of The Harvard State Bank?

Key strengths: FDIC insured — deposits protected up to $250,000; Established in 1866; Local community bank with personal service. Areas to consider: Website currently inaccessible (HTTP 403 Access Denied error) — cannot verify current services or operations; No publicly accessible information available to confirm account types, fees, or features.

How does The Harvard State Bank compare to similar companies?

In the Banks category, comparable providers include 1Nb Bank, 1st Community Bank, American Metro Bank. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.

Quick Facts

Founded
1866
Headquarters
Harvard, IL
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #9079
Visit The Harvard State Bank

CreditDoc Diagnosis

Doctor's Verdict on The Harvard State Bank

Profile cannot be completed due to website inaccessibility. Verify Harvard State Bank's FDIC charter and current operations through official regulatory sources (FDIC.gov) before establishing accounts. Direct contact with the institution is recommended to confirm it remains operational.

Best For

  • Local banking with personal service
  • FDIC-insured deposits
  • Small business banking
Updated 2026-05-14

Similar Companies

1Nb Bank logo

1Nb Bank

1NB Bank is a regional community bank operating multiple branches in Illinois, offering checking, savings, loans, and debit card services with emphasis on local presence and security.

4.2/5
BBB:

Best for: Customers in central Illinois seeking traditional banking with local branch relationships, Small business owners needing commercial banking services with direct bank relationships

1st Community Bank logo

1st Community Bank

Community bank chartered in 1920 offering FDIC-insured deposit accounts, loans, and mortgage services with local decision-making and personalized service.

4.2/5
BBB:

Best for: Farmers and agricultural businesses needing specialized farm financing, credit lines, and equipment loans, Small business owners in the bank's service communities seeking local decision-making on commercial loans

American Metro Bank logo

American Metro Bank

FDIC-insured community bank offering personal and business checking, savings, CDs, mortgages, loans, and debit card services with ATM access.

4.3/5
BBB:

Best for: Small business owners seeking local relationship banking and commercial lending, Customers prioritizing FDIC insurance and traditional brick-and-mortar banking with branch access

Is The Harvard State Bank Right for You?

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Financial Wellness Guides

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