| Metric | Harvest Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +53.4% | +4.4% | +49.0 pts |
| Deposit growth (YoY) | +51.9% | +4.0% | +47.9 pts |
| Loan growth (YoY) | +56.5% | +5.6% | +50.9 pts |
| ROA | 1.03% | 1.24% | -0.2 pts |
| ROE | 12.8% | 11.9% | +0.9 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $355.1M | $323.4M | $243.9M | $29.6M | $1.8M | 1.03% | 3.52% | 1.21% |
| Q1 2026 | $356.2M | $326.0M | $227.6M | $28.2M | $762K | 0.86% | 3.17% | 1.20% |
| Q4 2025 | $234.9M | $215.2M | $156.7M | $18.0M | $2.6M | 1.11% | 3.59% | 1.39% |
| Q3 2025 | $232.9M | $213.3M | $152.7M | $17.2M | $1.9M | 1.08% | 3.52% | 1.39% |
| Q2 2025 | $231.6M | $213.0M | $155.9M | $16.8M | $1.0M | 0.90% | 3.37% | 0.65% |
| Q1 2025 | $232.9M | $215.1M | $157.2M | $15.9M | $575K | 0.98% | 3.23% | 0.64% |
| Q4 2024 | $235.3M | $218.3M | $157.4M | $15.0M | $1.6M | 0.69% | 3.09% | 0.65% |
| Q3 2024 | $228.3M | $211.1M | $151.0M | $14.8M | $1.1M | 0.64% | 3.04% | 0.65% |
Loan mix (Q2 2026): real estate $183.9M · commercial $25.6M · consumer $9.9M · securities $83.2M
| Ratio | Harvest Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 1.24% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 11.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 62.9% | 56th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Harvest Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Harvest Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Harvest Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Harvest Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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