Vitals
  • Total Assets
    39.2M 3.8 %
  • Total Deposits
    35.1M 3.9 %
  • Total Net Loans
    27.3M -9.1 %
  • Net Income
    210000.0000 -12.1 %
  • Book Value
    3.3M 6.7 %
  • Book Value x2
    6.6M 6.7 %
  • Book Value x3
    9.9M 6.7 %
ROAA

.543

ROAE

6.576

Efficiency Ratio

78.433

Net Interest Margin

3.577

Balance Sheet Highlights
Financial Highlights Harwood State Bank All Insured Commercial Banks in North Dakota
Balance Sheet $(000)
Total Assets 39,243 232,076
Total Net Loans 27,267 156,713
Total Deposits 35,127 198,811
Total Equity 3,289 23,476
Profitability
Net Income 210 3,002
Return on Average Assets .543 1.206
Return on Average Equity 6.576 11.39
Net Interest Margin 3.577 3.951
Efficiency Ratio 78.433 62.572
Noninterest Income/Revenue 4.638 15.037
Balance Sheet Ratios
Loan-to-Deposit 77.624 75.896
Securities/Assets .048 .19
Total Equity/Total Assets .084 .101
Tangible Equity/Tangible Assets .084 .097
Capital Adequacy
Tier 1 Common Capital 3,283 22,730
Tier 1 Capital 3,283 22,737
Tier 2 Capital 290 2,012
Total Capital 3,573 24,749
Total Risk Weighted Assets 29,666 176,189
Leverage Ratio 8.23 10.101
Common Equity Tier 1 Capital Ratio 11.07 13.897
Tier 1 Capital Ratio 11.07 13.902
Total Capital Ratio 12.04 14.995

Timeline for Harwood State Bank

Hsb Financial Corp.

Hsb Financial Corp. became a new parent organization for Harwood State Bank.

View Profile Jul 15 1994

Harwood State Bank

Harwood State Bank was established 104 years ago and is currently headquartered in Harwood, ND.

Jul 14 1919
Relationships Role Relationship Start Relationship End
Hsb Financial Corp. Parent 1/6/1995
Hsb Financial Corp. Parent 7/15/1994 1/5/1995
Similar Organizations
Organization City State Total Assets
The Trust Bank
 		Lenox GA 39.4M
First State Bank
 		Sioux Rapids IA 39.3M
Carver State Bank
 		Savannah GA 39.7M
The Blue Grass Valley Bank
 		Blue Grass VA 39.1M
Security Home Bank
 		Malmo NE 39.4M
The State Bank Of Spring Hill
 		Spring Hill KS 38.3M
State Central Bank
 		Bonaparte IA 39.6M
Generations Bank
 		Exeter NE 39.2M
Community Bank Of Oklahoma
 		Verden OK 39.4M
Farmers And Merchants Bank Of Mound City, Kansas
 		Mound City KS 39.9M