Harvest Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 10.0% higher than in Q1 2026, at -$6.2M. Within Minnesota, Harvest Bank is 95th of 161 on CET1 ratio, 13.37% as of Q2 2026, below the middle of the field. Harvest Bank reported 13.37% on CET1 ratio for Q2 2026, 1.70 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.37% |
| Tier 1 risk-based capital ratio | 13.37% |
| Total risk-based capital ratio | 14.59% |
| Tier 1 leverage ratio | 9.15% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $33.1M |
| Tier 1 capital | $33.1M |
| Total risk-based capital | $36.1M |
| Total equity capital | $29.6M |
| Risk-weighted assets | $247.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.34% |
| Tangible equity to tangible assets | 7.63% |
| Equity capital to average assets | 8.12% |
| Internal capital growth rate | 10.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $105K |
| Common stock surplus | $19.9M |
| Retained earnings | $15.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.27% | 12.27% | 13.29% | 8.17% | $152.8M |
| Q4 2023 | 12.00% | 12.00% | 13.19% | 7.87% | $151.8M |
| Q1 2024 | 12.14% | 12.14% | 13.37% | 7.93% | $152.3M |
| Q2 2024 | 12.37% | 12.37% | 13.62% | 8.15% | $151.9M |
| Q3 2024 | 12.31% | 12.31% | 13.56% | 8.12% | $152.7M |
| Q4 2024 | 12.10% | 12.10% | 13.35% | 8.04% | $159.5M |
| Q1 2025 | 12.62% | 12.62% | 13.87% | 8.35% | $157.4M |
| Q2 2025 | 12.88% | 12.88% | 14.13% | 8.73% | $157.9M |
| Q3 2025 | 12.71% | 12.71% | 13.96% | 8.66% | $159.7M |
| Q4 2025 | 13.03% | 13.03% | 14.28% | 8.81% | $159.7M |
| Q1 2026 | 13.78% | 13.78% | 15.03% | 8.95% | $235.2M |
| Q2 2026 | 13.37% | 13.37% | 14.59% | 9.15% | $247.7M |
Harvest Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Harvest Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Harvest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11415) · FFIEC NIC profile (RSSD 28152)