BlastPoint's Banking Scorecard
Harvest Bank
Kimball, MN
6 branches across MN
Harvest Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 72.5% in tier
- - Net Interest Margin 0.76% below tier average
- - Efficiency Ratio 0.75% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$356.2M
+52.9% YoY
+51.6% QoQ
|
-$29.9M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
55% |
| Total Loans ? |
$227.6M
+44.8% YoY
+45.2% QoQ
|
-$28.1M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
55% |
| Total Deposits ? |
$326.0M
+51.6% YoY
+51.5% QoQ
|
-$2.0M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
59% |
| Return on Assets ? |
0.86%
-12.5% YoY
-22.7% QoQ
|
-0.41% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
29% |
| Net Interest Margin ? |
3.17%
-2.0% YoY
-11.7% QoQ
|
-0.76% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
17% |
| Efficiency Ratio ? |
66.03%
-2.6% YoY
+3.2% QoQ
|
+0.75% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
42% |
| Delinquency Rate ? |
0.86%
-9.6% YoY
-38.9% QoQ
|
-0.03% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
69.82%
-4.5% YoY
-4.1% QoQ
|
-6.82% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
23.97%
+8.3% YoY
+0.9% QoQ
|
+1.95% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
63% |
| Nonperforming Asset Ratio ? |
1.20%
+86.8% YoY
-13.7% QoQ
|
+0.56% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
16% |
| Tier 1 Capital Ratio ? |
13.82%
+9.5% YoY
+6.0% QoQ
|
-2.01% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.04%
-6.1% YoY
-82.2% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
17% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.