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Harvest Bank
Kimball, MN · FDIC Certificate #11415 · Chartered 08/0
Total assets
$355.12M
Total deposits
$323.44M
Total equity
$29.61M
Net loans
$243.85M
Branches (offices)
6
Net income (YTD)
$1.83M
Rank: #2,230 of 4,213 U.S. banks by assets · #74 of 221 in Minnesota. Assets changed 53.4% and deposits 51.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.03% |
| Return on equity | 12.78% |
| Net interest margin (YTD) | 3.52% |
| Equity to assets | 8.34% |
| Tier 1 leverage ratio | 9.15% |
| Uninsured deposits (share of deposits) | 16.6% |
| Noncurrent loans (share of loans) | 0.80% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 75.4% |
| Real estate loans (share of loans) | 75.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $183.94M | 75.4% | |
| Commercial & industrial | $25.55M | 10.5% | |
| Consumer / individual | $9.86M | 4.0% | |
| Construction & development | $8.93M | 3.7% | |
| Agricultural | $23.62M | 9.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $209.01M | $195.29M | $1.41M | $11.21M |
| Jun 2023 | $220.25M | $200.71M | $905.00K | $12.38M |
| Jun 2024 | $225.92M | $209.92M | $576.00K | $13.88M |
| Jun 2025 | $231.56M | $213.00M | $1.04M | $16.75M |
| Jun 2026 | $355.12M | $323.44M | $1.83M | $29.61M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $323.44M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $323.44M.
Similar-sized banks
Great Southern Bank ($355.14M) · The Campbell & Fetter Bank ($355.00M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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