Harvest Bank
BankRegReports is independent of Harvest Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Harvest Bank is an FDIC-insured commercial bank headquartered in Kimball, MN, established in 1901 (FDIC certificate 11415), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $355.1M, up 53.4% from Q2 2025, the 74th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 13.37% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11415
- Headquarters
- Kimball, MN
- Established
- 1901
- Total assets, Q2 2026
- $355.1M
- Assets vs Q2 2025
- +53.4%
- CET1 ratio, Q2 2026
- 13.37%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 091908179
- Holding company
- CATTAIL BANCSHARES, INC.
- Asset rank in state
- 74th of 221 in Minnesota
Harvest Bank is growing quickly. Based in Kimball, Minnesota, it had $355 million in assets at June 30, 2026, up 53.4% from a year earlier. It grew its loan book 55.9% over the year, 10.2 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 14.4% of the capital and reserves that would absorb them, 5.5 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $1.1 million, 128% above the same quarter a year earlier. Over the same year, loans grew 55.9% and deposits grew 51.9%. Where it has less room is capital: it funds 9.15% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Harvest Bank reported a CET1 capital ratio of 13.37%, a return on assets of 1.18%, a nonperforming-loan ratio of 0.80% and a Texas ratio of 14.44%. The figures come from its call report filed with the FFIEC.
Harvest Bank ranks as the 74th largest of the 221 banks based in Minnesota, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.3% to $355.1M, loans rose 7.1% and deposits fell 0.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 33.6% of total loans, ahead of farmland and other real estate loans at 18.4%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in MN; its Kimball office books 30% of its branch deposits. Judged on its Q2 2026 call report, Harvest Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 75 N Main St, Kimball, MN 55353
- County
- Stearns
- Metro Area
- St. Cloud, MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- August 8, 1901
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 54
- Domestic deposits
- $323.4M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- $50K
- Average total assets
- $364.6M
- Average total loans
- $238.2M
- Average interest-bearing deposits
- $247.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11415
- Fed RSSD
- 28152
- Website
- www.harvestbank.com →
- Parent Holding Company
- CATTAIL BANCSHARES, INC. (RSSD 1133549)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Harvest Bank's total assets ran between $223.9M (Q3 2023) and $356.2M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$355.1M total assets against $231.6M; $325.5M total liabilities against $214.8M.
$243.9M net loans and leases against $155.9M; $323.4M total deposits against $213.0M.
$83.4M securities against $45.1M; $10.9M cash and balances due against $23.2M.
$4.5M total interest income against $2.9M; $1.2M total interest expense against $914K.
$3.2M net interest income against $2.0M.
$188K total noninterest income against $235K; $2.2M total noninterest expense against $1.4M.
$85K provision for credit losses against $266K.
$1.1M net income against $470K.
1.18% return on assets against 0.81%; 3.83% net interest margin against 3.56%.
13.37% CET1 capital ratio against 12.88%; 9.15% tier 1 leverage ratio against 8.73%.
Inside the full Harvest Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHarvest Bank rankings
Its closest position to the top of a national ranking is 335 of 3,640, for Texas Ratio; its furthest is 1,290 of 2,134, for CET1 ratio.
Banks merged into Harvest Bank
- Citizens State Bank of Waverly, Inc., effective February 14, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.80% (Q4 2024) to 1.45% (Q3 2025) and its net interest margin ran from 3.13% (Q3 2024) to 3.83% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.37% | 1.18% | 0.80% | 14.44% | 3.83% |
| Q1 2026 | 13.78% | 0.84% | 0.85% | 15.16% | 3.48% |
| Q4 2025 | 13.03% | 1.19% | 1.39% | 16.21% | 3.73% |
| Q3 2025 | 12.71% | 1.45% | 1.40% | 16.75% | 3.75% |
| Q2 2025 | 12.88% | 0.81% | 0.94% | 7.84% | 3.56% |
| Q1 2025 | 12.62% | 0.97% | 0.94% | 8.32% | 3.22% |
| Q4 2024 | 12.10% | 0.80% | 0.95% | 8.94% | 3.30% |
| Q3 2024 | 12.31% | 0.89% | 0.97% | 8.93% | 3.13% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Harvest Bank (main office) | Kimball , MN | 55353 | $98.4M |
| Citizens State Bank of Waverly, Inc. Branch | Waverly , MN | 55390 | $63.5M |
| St. Augusta Branch | St. Cloud , MN | 56301 | $54.0M |
| Detached Facility | Montrose , MN | 55363 | $41.9M |
| Atwater Branch | Atwater , MN | 56209 | $37.6M |
| Kandiyohi Branch | Kandiyohi , MN | 56251 | $28.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 14, 2026 | Structure Change | Acquired Citizens State Bank of Waverly, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 13, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 18, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 16, 2013 | Structure Change | Acquired Atwater State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MN, rank 97 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 15 applications, 15 loans originated, $1.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.1M approved, $2.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Harvest Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Harvest Bank with peers
Frequently asked about Harvest Bank
What are Harvest Bank's total assets?
As of the Q2 2026 filing, Harvest Bank reported total assets of $355.1 million in its FFIEC call report.
Where is Harvest Bank headquartered?
It is headquartered in Kimball, MN, United States.
When was Harvest Bank founded?
It was established in 1901, per the FDIC institution directory.
Is Harvest Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11415). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Harvest Bank?
Harvest Bank's primary federal regulator is the FDIC.
What is Harvest Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.37% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Harvest Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Harvest Bank's Texas Ratio?
Its Texas Ratio is 14.44% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Harvest Bank.
Get an email when Harvest Bank files its next call report, and benchmark it against any peer you choose.
Unlock Harvest Bank, freeFree account