# HARVEST BANK
KIMBALL, MN · FDIC certificate 11415 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $355.1M | |
| Deposits | $323.4M | |
| Loans and leases | $246.6M | |
| Total equity | $29.6M | |
| Loans / deposits | 75.39% (p36 of band) | 82.04% |
| Liquid assets / assets | 26.49% (p55 of band) | |
| Uninsured deposits / deposits | 16.59% (p17 of band) | 25.97% |
| Brokered deposits | 0.07% | |
| Wholesale funding | 0.07% (p25 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.15% (p15 of band) | 10.81% |
| Unrealized securities loss / equity | -15.15% (p31 of band) | -8.10% |
| AOCI / equity | 1.09% (p95 of band) | |
| ROA (annualized) | 1.03% (p34 of band) | 1.28% |
| Net interest margin | 3.52% (p29 of band) | 3.91% |
| Efficiency ratio | 64.81% (p61 of band) | |
| Noncurrent loans | 0.80% (p67 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p69 of band) | |
| Reserve coverage of noncurrent | 141.81% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 30.16% (p37 of band) | |
| Auto loans | $5.7M (2.32% of loans; DQ 0.47%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 51.9% | |
| Employees | 54 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 1 | capital falling | reserve under noncurrent |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | noncurrent p90 |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | uninsured deposits leaving |  |
| 2019-12 | 2 | noncurrent p90 | uninsured deposits leaving |
| 2020-03 | 1 | capital falling | reserve under noncurrent, noncurrent p90 |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 | reserve under noncurrent | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 1 | uninsured deposits leaving | reserve under noncurrent, securities losses >30% of equity |
| 2024-03 | 0 |  | uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | reserve under noncurrent |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | reserve under noncurrent |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-03-16 [Leadership shift at Harvest Bank - tricountynews.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE9lMHhabUUyR2xDN0R6NjljcU94cWxvcktzbmZKc2x6ZGtPZkFyN1VOdUowcDRSMlBNR0ZmZnp6UGg3Z2p5d29sVkw3R2E4ajJ4S09MenlQVmx2Y3B6M1puOXExb1lvMmh1ZTEzeFZLcUh0WU4wMFNPU25RVVg?oc=5) · tricountynews.com
- 2024-11-01 [Brittney Zimmer joins Harvest Bank in Atwater, Minnesota - West Central Tribune](https://news.google.com/rss/articles/CBMikAFBVV95cUxNZHQydlc4MldtQlNJU2pPZHphNkNDRV9nR3pKQWhrNlBZYVBycVFHREJYNzl0clVTc2RObE4yc29xcXVpc3V0N2RFcDJEdXdJZEU2U08yZWNWRFlwOGZjRUQ5YWNleGw2cktqNDU2V2ZZNzZaelhFSUJFSFB2QlFxZDZpYnJWUW9FUmJPa1R5YzU?oc=5) · West Central Tribune
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2022-08-26 [Porter-Gaud School teams up with Harvest Pack to fight food insecurity - WCIV](https://news.google.com/rss/articles/CBMiugFBVV95cUxNNTllSmNPZHlXWE5DdW9ETmJKUXlsdXVhbENESEJlbnBsTzFVZUZrVU1kcU40UkFjQ3d0bVlRcEVMNFA5VXl5X0xNRHVIZTFGUzdETlV0WG1aeHVDMG9aYmhTVEVac3NSM2VSZUUyOXEtUHg3WHdoR0dVWVJkckRBcDlndTVRei03SFVndkJQMk5hNWdmc0NnR2Z6OHgybUNrSFhDYUlFWk1fZGZuRGREM2k4LVpXZW04RWc?oc=5) · WCIV
- 2014-11-19 [Jackie Herman - Finance & Commerce](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBTV2VSaTFRdGdUZUx6RXJrYjNiTENlQ29tMUJTSXI5WFFNZDlibzZRUmNQZ05NaFEyTTMtN1BtVm9pd3NGTE5ieFlhdThsUFdJbkV0UHNBdGxhZEUtVDJ0eQ?oc=5) · Finance & Commerce
- 2026-05-06 [Benton County Sheriff’s Office Warns of Text Message Scam Featuring Fake Traffic Ticket - KNSI](https://news.google.com/rss/articles/CBMivAFBVV95cUxPRWJsZi1nVmRoRHpUcXk4NmVpX2hHVnZ6NWpfa3FvNkVfY1ljODNLSTk4d0Q3WVFVZG9fZDhaZmQ1clhKT2FnTUtJUGEyQTVBSk54VVBTS3lnQU9oLWwwblU2NzZBX3BzZl83OHZjTzBxSnpIdVp0S2U4ZXExZ25rQk9ienJPczNNbUVfV29XTTB5Ui1KVG1HNjM3eXhQdmRMbFJ0TDhjVmZkRGdCLTI3SU9mRFdpeEltN19yMw?oc=5) · KNSI
- 2026-07-31 [Kimball Days Runs August 3 To 9 With A Medallion Hunt, Parade, And Street Dance - WJON](https://news.google.com/rss/articles/CBMiZEFVX3lxTE54WGJRSjRoODJ3Y0hBekdObDZzbE5GeTEyQWxaNkxaekd6ZXJLNnpCc3JsV3ZVNmdETGg0TDljd1B5WXQ2UF9QaVVqLU05UGRzclZIME1ENld5OEdnMVdlR3F1OWE?oc=5) · WJON
- 2015-01-30 [In business - St. Cloud Times](https://news.google.com/rss/articles/CBMif0FVX3lxTE1tcFdyaXJMQm92SVRtRkpyY1J2MHJCa2FjTUd2RW1QM2YtZnVTc2NuNktrQkpDcGNoV1VBNmJ5UVpfeENXM01WeUhlMUpDbFE1WVJrY0lCcW00dDJrRG02alM1clh5UTBfUXpPRDFYc19WVkt5X2p1QkROMjNZaEE?oc=5) · St. Cloud Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11415 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/23.json (key "11415", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide