The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 2 points (61 → 63), mostly because the problem-loan coverage component weakened by 10 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Minnesota

Yes. Harvest Bank is an FDIC-insured institution (FDIC certificate #11415). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.6% of deposits ($53.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.15%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.59% (benchmark: 10%).

Check how much of your own balance is covered

Harvest Bank lists 6 offices in 6 cities. Most locations:

• Atwater, MN (1)
• Kandiyohi, MN (1)
• Kimball, MN (1)
• Montrose, MN (1)
• St. Cloud, MN (1)
• Waverly, MN (1)

All branch addresses and map

In 2025, Harvest Bank reported 60 home-loan applications under HMDA (LEI 54930076NULTCIRS5P09): 59 originated ($9,575,000 total), 0 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Harvest Bank

Former names

State Bank of Kimball

Type

State-chartered bank

FDIC certificate #

11415

RSSD ID

28152

Primary regulator

FDIC

Holding company

Cattail Bancshares Inc

Established

August 8, 1901

Headquarters

75 N Main St, Kimball, MN 55353

Website

www.harvestbank.com

Employees

54