Harvest Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 13.12 percentage points in Q2 2026, from 95.03% to 108.15%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Harvest Bank is 131st of 221 on loan-to-deposit ratio, 76.26% as of Q2 2026, below the middle of the field. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $246.6M |
| Net loans and leases | $243.9M |
| Loans held for sale | $745K |
| Loans to total assets | 69.45% |
| Loan-to-deposit ratio | 76.26% |
| Net loans to equity capital | 8.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.37% |
| Multifamily (5+ residential) | 6.57% |
| Commercial and industrial | 10.36% |
| Consumer | 4.00% |
| Credit cards | 0.00% |
| Farm | 18.42% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.32% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 108.15% |
| Construction concentration (Tier 1 capital + allowance) | 24.87% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.37% |
| Interest income on loans | $3.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $144.7M | $204.0M | 17.47% | 10.56% | 4.82% |
| Q4 2023 | $149.3M | $209.2M | 15.34% | 10.32% | 5.00% |
| Q1 2024 | $148.9M | $210.4M | 13.40% | 10.87% | 5.61% |
| Q2 2024 | $150.3M | $209.9M | 13.02% | 11.48% | 6.16% |
| Q3 2024 | $152.8M | $211.1M | 12.80% | 11.65% | 6.03% |
| Q4 2024 | $159.3M | $218.3M | 12.79% | 10.58% | 6.05% |
| Q1 2025 | $159.3M | $215.1M | 12.80% | 11.67% | 6.01% |
| Q2 2025 | $158.2M | $213.0M | 12.51% | 11.59% | 5.89% |
| Q3 2025 | $154.8M | $213.3M | 11.73% | 11.30% | 6.08% |
| Q4 2025 | $158.8M | $215.2M | 11.25% | 11.13% | 6.01% |
| Q1 2026 | $230.3M | $326.0M | 13.27% | 10.78% | 4.31% |
| Q2 2026 | $246.6M | $323.4M | 12.37% | 10.36% | 4.00% |
Harvest Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Harvest Bank, freeSource: Call Report Schedule RC-C, 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)