Harvest Bank

Headquarters: Kimball, Minnesota
Charter: Bank
Assets: $355.1M
Fed district: Minneapolis
Regulator: FDIC
Holding company: Cattail Bancshares Inc.

21 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 11, 2026

How these figures are measured

Call-report figures are for Harvest Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Harvest Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 11, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Harvest Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $55K in Q2 2026, 162% above the same quarter a year earlier ($21K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Harvest Bank: $20
Harvest Bank: $20
U.S. median: no median
NSF / Returned Item
Compared at $24, the middle of its prices
Harvest Bank: $20 to $28
Harvest Bank: $20 to $28
U.S. median: no median
Wire Transfer (Domestic Out)
Harvest Bank: $25
Harvest Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 150% from Q3 2025 to Q2 2026, to $55K.

Service-charge income, Q2 2026

$55K

$22KQ3 2025

$21KQ4 2025

$37KQ1 2026

$55KQ2 2026

Against the median

Harvest BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Harvest Bank · $355M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$345M to $365M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Harvest Bank(this institution)	Kimball, MN	$355M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
AmeriFirst Bank	Montgomery, AL	$364M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Citizens National Bank of Albion	Albion, IL	$349M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Commercial Bank & Trust Company	Monticello, AR	$364M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community Bank	Lexington, TN	$358M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community Bank of Raymore	Raymore, MO	$347M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cowboy Bank	Kremlin, OK	$350M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Desjardins Bank, National Association	Hallandale, FL	$362M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Farmers & Merchants Bank	Miamisburg, OH	$359M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank in Port Lavaca	Port Lavaca, TX	$361M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Frontier Bank	Sioux Falls, SD	$349M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Glenwood State Bank	Glenwood, IA	$353M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Great Southern Bank	Meridian, MS	$355M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Heritage Bank National Association	Spicer, MN	$361M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Iowa State Bank and Trust Company of Fairfield, Iowa	Fairfield, IA	$352M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Ireland Bank	Malad City, ID	$355M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Logan Bank & Trust Company	Logan, WV	$359M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Native American Bank, National Association	Denver, CO	$362M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
OSB Community Bank	Ottawa, IL	$356M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Premier Bank	Dubuque, IA	$358M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
ProGrowth Bank	Nicollet, MN	$365M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Rabun County Bank	Clayton, GA	$362M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Street Bank and Trust Company	Quincy, IL	$357M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The First National Bank of Gordon	Gordon, NE	$358M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The First National Bank of Mount Dora	Mount Dora, FL	$358M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Waumandee State Bank	Waumandee, WI	$345M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

8 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Harvest Bank does not publish a monthly maintenance fee in the index.

The peer median is $9 among 17 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Harvest Bank does not publish a monthly maintenance fee, so it is not on this chart.

Harvest BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Harvest Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $55K
vs prior quarter: +$18K+48.6%; from Q1 2026
vs a year earlier: +$34K+161.9%; from Q2 2025
vs start of range: +$36K+189.5%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Harvest Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$55K	+$18K	+48.6%
Q1 2026	$37K	+$16K	+76.2%
Q4 2025	$21K	−$1K	−4.5%
Q3 2025	$22K	+$1K	+4.8%
Q2 2025	$21K	+$3K	+16.7%
Q1 2025	$18K	+$1K	+5.9%
Q4 2024	$17K	−$2K	−10.5%
Q3 2024	$19K	$0	0.0%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Harvest Bank’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$5
Escheatment fee$15
Account Balancing Assistance - per hour$50
Not compared: Charged per hour; comparison unavailable
per hour
Account Research - per hour$50
Not compared: Charged per hour; comparison unavailable
per hour
Returned statement charge$5

Overdraft & NSF

Overdraft (OD)$20
per item
NSF / Returned Item$20
per item
Overdraft and NSF Return Fee$28
per item
Overdraft Sweep Fee - per sweep$2

ATM & Card

Debit Card Replacement Fee$10
2nd Day Rush Fee$29.95
per item
Overnight Rush Fee$34.95
per item

Wire Transfers

Domestic Wire Transfers - Outgoing$25
Domestic Wire Transfers - Incoming$15
International Wire Transfer - Outgoing$60
International Wire Transfer - Incoming$15

Check Services

Cashier's Checks - per check$5
per item
Money orders - per check$3
per item
Stop payment (Check or one time ACH)$20
Stop Payment Fee$18
per item
Counter check fee (3 free per day)$1
Not compared: Daily charge, not per item
per day
Canadian check processing fee$12
Copy of a Check$2

Digital & Electronic

ACH Return Fee$10
per item
Bill Pay Inactivity Fee - per month$5
per month
Non-use fee: Billpay fee$5

Account Services

Garnishment/ Levy processing fee (where permitted by law)$100

Retirement & IRA

IRA Transfer/Rollover Fee$50

Other Fees

Photocopies - per page$0.25
per item
Statement Copy - per statement$3

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$5	Not stated	None
Escheatment fee	$15	Not stated	None
Account Balancing Assistance - per hour	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research - per hour	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Returned statement charge	$5	Not stated	None
Overdraft & NSF
Overdraft (OD)	$20	per item	None
NSF / Returned Item	$20	per item	None
Overdraft and NSF Return Fee	$28	per item	None
Overdraft Sweep Fee - per sweep	$2	Not stated	None
ATM & Card
Debit Card Replacement Fee	$10	Not stated	None
2nd Day Rush Fee	$29.95	per item	None
Overnight Rush Fee	$34.95	per item	None
Wire Transfers
Domestic Wire Transfers - Outgoing	$25	Not stated	None
Domestic Wire Transfers - Incoming	$15	Not stated	None
International Wire Transfer - Outgoing	$60	Not stated	None
International Wire Transfer - Incoming	$15	Not stated	None
Check Services
Cashier's Checks - per check	$5	per item	None
Money orders - per check	$3	per item	None
Stop payment (Check or one time ACH)	$20	Not stated	None
Stop Payment Fee	$18	per item	None
Counter check fee (3 free per day)	$1Not compared: Daily charge, not per item	per day	None
Canadian check processing fee	$12	Not stated	None
Copy of a Check	$2	Not stated	None
Digital & Electronic
ACH Return Fee	$10	per item	None
Bill Pay Inactivity Fee - per month	$5	per month	None
Non-use fee: Billpay fee	$5	Not stated	None
Account Services
Garnishment/ Levy processing fee (where permitted by law)	$100	Not stated	None
Retirement & IRA
IRA Transfer/Rollover Fee	$50	Not stated	None
Other Fees
Photocopies - per page	$0.25	per item	None
Statement Copy - per statement	$3	Not stated	None

Correct a fee source

Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Harvest Bank's safe deposit box changes in our data

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