Harvest Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Harvest Bank of Kimball, MN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.18% | 1.34% | -0.16% | 44th below |
| ROAE | 14.85% | 13.31% | +1.54% | 65th above |
| Net Interest Margin | 3.83% | 3.93% | -0.10% | 44th below |
| Efficiency Ratio | 62.74% | 61.14% | +1.60% | 46th below |
| PPNR / Avg Assets | 1.36% | 1.68% | -0.32% | 37th below |
| Yield on Earning Assets | 5.28% | 5.67% | -0.39% | 34th below |
| Cost of Funds | 1.53% | 1.88% | -0.35% | 68th above |
| Net Interest Spread | 3.27% | 3.32% | -0.05% | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.77% | 0.94% | -0.17% | 35th below |
| NPA / Total Assets | 1.19% | 0.70% | +0.49% | 16th bottom |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 84th top |
| ACL / Total Loans | 1.13% | 1.28% | -0.15% | 42nd below |
| ACL / NPLs (Coverage) | 147.34% | 1539.20% | -1391.86% | 40th below |
| Texas Ratio | 14.44% | 7.33% | +7.11% | 13th bottom |
| Provision / NCO | 44.00% | 1396.20% | -1352.20% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.37% | 19.51% | -6.14% | 32nd below |
| Tier 1 Ratio | 13.37% | 19.54% | -6.17% | 32nd below |
| Total Capital Ratio | 14.59% | 20.62% | -6.03% | 33rd below |
| Leverage Ratio | 9.15% | 12.14% | -2.99% | 15th bottom |
| Equity / Assets | 8.34% | 11.38% | -3.04% | 17th bottom |
| TCE / Tangible Assets | 7.63% | 11.09% | -3.46% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.26% | 80.64% | -4.38% | 59th above |
| Core Deposit Ratio | 95.83% | 86.86% | +8.97% | 88th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 53.36% | 6.84% | +46.52% | 99th top |
| Loan Growth (Y/Y) | 55.94% | 7.89% | +48.05% | 99th top |
| Deposit Growth (Y/Y) | 51.85% | 6.27% | +45.58% | 99th top |
See Harvest Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Harvest Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Harvest Bank profile, how to read a UBPR, or how this data updates.