Harvest Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 93.9% lower than in Q1 2026, at $381K. Harvest Bank ranks 131st of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 76.26% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Harvest Bank sits 4.58 points lower, at 76.26% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.9M |
| Cash and noninterest-bearing balances to assets | 2.96% |
| Cash and securities | $94.2M |
| Fed funds sold and reverse repos | $381K |
| Fed funds sold and reverse repos to assets | 0.11% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.26% |
| Net loans and leases to deposits | 75.39% |
| Loans and leases to core deposits | 79.51% |
| Core deposits to total deposits | 95.83% |
| Brokered deposits to total deposits | 0.08% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 70.93% | 98.05% | $0 | $5.0M |
| Q4 2023 | 71.35% | 97.97% | $0 | $5.0M |
| Q1 2024 | 70.76% | 97.71% | $0 | $0 |
| Q2 2024 | 71.58% | 96.54% | $0 | $0 |
| Q3 2024 | 72.40% | 96.53% | $0 | $0 |
| Q4 2024 | 72.99% | 97.19% | $0 | $0 |
| Q1 2025 | 74.04% | 96.03% | $0 | $0 |
| Q2 2025 | 74.26% | 95.72% | $0 | $0 |
| Q3 2025 | 72.56% | 96.07% | $0 | $0 |
| Q4 2025 | 73.80% | 96.41% | $0 | $0 |
| Q1 2026 | 70.65% | 95.64% | $0 | $0 |
| Q2 2026 | 76.26% | 95.83% | $0 | $0 |
Harvest Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Harvest Bank, freeSource: Call Report Schedules RC and RC-M, 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)