Harvest Bank

Overview / Commentary

www.harvestbankmn.com

320-398-3500

75 North Main Street
Kimball, MN 55353

Harvest Bank is headquartered in KIMBALL and is the 105^th largest bank in the state of Minnesota. It is also the 2,876^th largest bank in the nation. It was established in 1901 and as of June of 2024, it had grown to 36 employees at 4 locations. Harvest Bank's money market rates are 6X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	11415
Year Established	1901
Employees	36
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.51%
Return on Equity - YTD	8.51%
Annual Interest Income	$5.4MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$225.9MM$220.3MM
Loans	Q2 2024vs Q2 2023	$148.4MM$139.7MM
Deposits	Q2 2024vs Q2 2023	$209.9MM$200.7MM
Equity Capital	Q2 2024vs Q2 2023	$13.9MM$12.4MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$1.8MM$1.5MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$1.3MM$1.5MM
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Harvest Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.50%^*	$0	$25k	Kasasa Saver
OTHER TIERS: 1.49% → $25k+
1.80%^*	$50k^*	-	Investors Savings Account
OTHER TIERS: 1.05% → $50 - $5k \| 1.45% → $5k - $50k
1.20%^*	$20k^*	-	Health Savings Account (HSA)
OTHER TIERS: 0.55% → $0 - $2k \| 0.75% → $2k - $5k \| 1.00% → $5k - $20k

Harvest Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.80%^*	$100k^*	-	Money Market Account
OTHER TIERS: 1.75% → $5k - $50k \| 2.05% → $50k - $100k

Harvest Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
5.00%^*	$0	$10k	Kasasa Cash Checking
OTHER TIERS: 1.00% → $10k+
1.80%^*	$50k^*	-	Investors NOW Checking Account
OTHER TIERS: 0.80% → $1k - $10k \| 1.30% → $10k - $50k

Harvest Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%^*	$100k^*	-	6 Month CD
OTHER TIERS: 3.75% → $1k - $25k \| 4.00% → $25k - $100k
4.00%^*	$100k^*	-	12 Month CD
OTHER TIERS: 3.50% → $1k - $25k \| 3.80% → $25k - $100k
2.90%^*	$100k^*	-	24 Month CD
OTHER TIERS: 2.60% → $1k - $25k \| 2.85% → $25k - $100k
2.70%^*	$100k^*	-	36 Month CD
OTHER TIERS: 2.60% → $1k - $25k \| 2.65% → $25k - $100k
2.65%^*	$25k^*	-	48 Month CD
OTHER TIERS: 2.55% → $1k - $25k
2.65%^*	$25k^*	-	60 Month CD
OTHER TIERS: 2.55% → $1k - $25k

Harvest Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%^*	$100k^*	-	6 Month Fixed IRA CD
OTHER TIERS: 3.75% → $1k - $25k \| 4.00% → $25k - $100k
4.00%^*	$100k^*	-	12 Month Fixed IRA CD
OTHER TIERS: 3.50% → $1k - $25k \| 3.80% → $25k - $100k
3.00%^*	$10k^*	-	36 Month Variable IRA
OTHER TIERS: 2.50% → $250 - $10k
2.90%^*	$100k^*	-	24 Month Fixed IRA CD
OTHER TIERS: 2.60% → $1k - $25k \| 2.85% → $25k - $100k
2.70%^*	$100k^*	-	36 Month Fixed IRA CD
OTHER TIERS: 2.60% → $1k - $25k \| 2.65% → $25k - $100k
2.65%^*	$25k^*	-	48 Month Fixed IRA CD
OTHER TIERS: 2.55% → $1k - $25k
2.65%^*	$25k^*	-	60 Month Fixed IRA CD
OTHER TIERS: 2.55% → $1k - $25k

Locations

Harvest Bank Locations
Atwater Branch	222 Atlantic Avenue	Atwater, MN 56209
St. Augusta Branch	24952 County Road 7	St. Cloud, MN 56301
Kandiyohi Branch	321 Pacific Avenue	Kandiyohi, MN 56251
Harvest Bank	75 N Main St	Kimball, MN 55353

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