Bank · FDIC insured
Harvest Bank
A $355.1M bank headquartered in Kimball, MN, with 6 branches in Minnesota. Best rates: CDs 4.00% and savings 1.05% APY.
Harvest Bank Carrot Score
81
Carrot Score
Higher than 55% of U.S. banks and credit unions
#40 of 97 in Minneapolis, MN-WI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Harvest Bank
Harvest Bank traces its history back to 1901 with the founding of the State Bank of Kimball, which united with Atwater State Bank as Harvest Bank in 2013 under Meyerson family ownership.
In 2026, Citizens State Bank of Waverly and its Montrose branch officially became Harvest Bank branches.
Today, the locally owned community bank serves customers across six Minnesota communities, including Atwater, Kandiyohi, Kimball, Montrose, Saint Augusta, and Waverly.
- Headquarters
- 75 N Main St, Kimball, MN 55353
- FDIC certificate
- 11415 ↗
Branches
6 branches in Minnesota
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Minnesota
6 branches
St. Cloud area · 2
- Harvest BankMain office75 N Main St, Kimball, MN 55353Directions
- St. Augusta Branch24952 County Road 7, St. Cloud, MN 56301Directions
Willmar area · 2
- Atwater Branch222 Atlantic Ave, Atwater, MN 56209Directions
- Kandiyohi Branch321 Pacific Ave, Kandiyohi, MN 56251Directions
Minneapolis area · 2
- Detached Facility145 Nelson Blvd, Montrose, MN 55363Directions
- Citizens State Bank Of Waverly, Inc. Branch609 Pacific Ave, Waverly, MN 55390Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.15% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.80% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.03% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $76 | $81 | — |
- CapitalLeverage ratio9.15%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.80%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.03%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$76Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Harvest Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.