Harvest Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Total interest expense: 21.6% higher than in Q1 2026, at $1.2M. Harvest Bank ranks 133rd of 221 Minnesota banks on net interest margin, in the lower half at 3.83% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Harvest Bank sits 0.12 points lower, at 3.83% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.28% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.53% |
| Cost of interest-bearing deposits | 1.99% |
| Cost of interest-bearing liabilities | 2.01% |
| Cost of borrowings | 4.21% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.83% |
| Yield to cost spread | 3.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.8M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 4.60% | 1.97% | 2.77% |
| Q4 2023 | 4.64% | 2.03% | 2.73% |
| Q1 2024 | 4.81% | 2.03% | 2.91% |
| Q2 2024 | 4.89% | 2.06% | 2.93% |
| Q3 2024 | 5.05% | 2.02% | 3.13% |
| Q4 2024 | 5.12% | 1.89% | 3.30% |
| Q1 2025 | 4.96% | 1.82% | 3.22% |
| Q2 2025 | 5.20% | 1.72% | 3.56% |
| Q3 2025 | 5.30% | 1.64% | 3.75% |
| Q4 2025 | 5.23% | 1.58% | 3.73% |
| Q1 2026 | 4.81% | 1.51% | 3.48% |
| Q2 2026 | 5.28% | 1.53% | 3.83% |
Harvest Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Harvest Bank, freeSource: Call Report Schedules RI and RC-K, 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)