HARVEST BANK

KIMBALL, MN | Small | Est. Aug. 8, 1901, midnight | FDIC #11415 | RSSD #28152 | FDIC
Latest Report: 2025-12-31

HARVEST BANK is asn small FDIC-insured commercial bank headquartered in KIMBALL, MN, established in Aug. 8, 1901, midnight. As of 2025-12-31, the bank reported total assets of $235M and total deposits of $215M. Profitability stands at 1.20% ROA and 16.01% ROE, with a net interest margin of 3.86%. The bank's CET1 capital ratio is 13.03%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.39% and a Texas Ratio of 16.21%. FDIC Certificate #11415.

Assets

$235M

Deposits

$215M

Loans

$159M

Equity

$18M

Profitability

Return on Assets (ROA) 1.20%
Return on Equity (ROE) 16.01%
Net Interest Margin (NIM) 3.86%
Yield on Assets 5.42%
Cost of Funds 1.57%

Asset Quality

NPL Ratio 1.39%
Net Charge-Off Ratio 0.12%
Texas Ratio 16.21%
NPA Ratio 1.39%
ACL / Loans 1.34%

Capital & Liquidity

CET1 Ratio 13.03%
Tier 1 Capital 13.03%
Total Capital Ratio 14.28%
Leverage Ratio 8.81%
Loan-to-Deposit 73.80%

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