Harvest Bank (FDIC #11415): Bank Stress & Real-Estate Credit Exposure

Harvest Bank (FDIC Cert #11415): bank stress 76/100, severe, STABLE over 7 days; parent CATTAIL BANCSHARES INC.

Harvest Bank (#11415) lends in 3 counties across 1 state; Harvest Bank (#11415) reaches 63 ZIP codes: Minnesota 3 counties, 63 ZIPs.

Harvest Bank (#11415) largest markets: Stearns County, MN (66 branches, 33 ZIPs) (#11415), Wright County, MN (38 branches, 19 ZIPs) (#11415), Kandiyohi County, MN (32 branches, 16 ZIPs) (#11415).

Harvest Bank (#11415) reports $355.1 million in total assets; Harvest Bank (#11415) equity $29.6 million (8.3% of Harvest Bank (#11415) assets); Harvest Bank (#11415) domestic deposits $323.4 million; Harvest Bank (#11415) net income $1.8 million; Harvest Bank (#11415) return on assets 1.03%; Harvest Bank (#11415) return on equity 12.78%; Harvest Bank (#11415) net interest income $5.9 million; Harvest Bank (#11415) call report June 30, 2026.

Harvest Bank (#11415) noncurrent real-estate loans: none reported; Harvest Bank (#11415) net charge-offs on real estate 1.04%; Harvest Bank (#11415) residential charge-offs 5.63%.

Harvest Bank (#11415) net interest margin 3.52% against an eight-quarter Harvest Bank (#11415) average of 3.32% (Harvest Bank (#11415) compression -0.21 points); Harvest Bank (#11415) non-residential real estate 563.2% of equity; Harvest Bank (#11415) rate-exposure score 40/100, Harvest Bank (#11415) fixed-rate trap 40/100; Harvest Bank (#11415) risk type credit driven; Harvest Bank (#11415) rate regime rates elevated, Harvest Bank (#11415) snapshot October 19, 2026.

Harvest Bank (#11415) stress score moved from 79.1 on June 22, 2026 to 75.7 on October 19, 2026; Harvest Bank (#11415) ranged 75.7 to 79.1 over 116 snapshots.

Harvest Bank (#11415) alerts: 3 counties; top Harvest Bank (#11415) alert scores: Kandiyohi County, MN 50 (elevated); Saint Cloud County, MN 26 (low); Waverly County, MN 26 (low).