Bank Comparison
Harvest Bank vs Heritage Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 14
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Harvest Bank | Heritage Bank, N.A. |
|---|---|---|
| CET1 Ratio | 13.82% | 15.61% |
| Tier 1 Capital Ratio | 13.82% | 15.61% |
| Total Capital Ratio | 15.07% | 16.87% |
| Tier 1 Leverage Ratio | 8.95% | 10.60% |
| Equity / Assets | 7.92% | 10.48% |
Profitability
| Metric | Harvest Bank | Heritage Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.84% | -0.53% |
| Return on Equity (ROE) | 13.18% | -5.14% |
| Net Interest Margin (NIM) | 3.48% | 3.58% |
| Yield on Earning Assets | 4.81% | 5.58% |
| Cost of Funds | 1.51% | 2.16% |
Asset quality
| Metric | Harvest Bank | Heritage Bank, N.A. |
|---|---|---|
| Texas Ratio | 15.16% | 24.24% |
| Non-Performing Loan Ratio | 0.82% | 3.44% |
| Non-Performing Asset Ratio | 1.18% | 2.93% |
| Net Charge-Off Ratio | 0.11% | 0.10% |
| ACL / Loans | 1.17% | 2.03% |
Balance sheet
| Metric | Harvest Bank | Heritage Bank, N.A. |
|---|---|---|
| Total Assets | $356,190K | $360,782K |
| Total Deposits | $325,987K | $306,134K |
| Total Loans | $230,298K | $305,590K |
| Total Equity | $28,210K | $37,813K |
| Net Income (quarter) | $762 | $-491 |
Liquidity & funding
| Metric | Harvest Bank | Heritage Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 70.65% | 99.82% |
| Core Deposit Ratio | 95.72% | 96.06% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Harvest Bank | Heritage Bank, N.A. |
|---|---|---|
| Headquarters City | KIMBALL | SPICER |
| Headquarters State | MN | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 15401 |
| Regulator | FDIC | OCC |
| Domestic Branches | 6 | 5 |
| Employees (FTE) | 55 | 91 |
| Established | Aug. 8, 1901, midnight | Oct. 8, 1964, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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