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Lake Region Bank

$100M-$1B Specialty: Commercial MN FDIC cert 10965

New London, MN

3 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits +8.1% year over year ($139.1M on the books).
  • Delinquency rate 0.09%.
  • Return on assets 1.85%.
  • Efficiency ratio 65.23% vs a 64.48% peer average.
  • Loan-to-deposit ratio 53.77% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

Lake Region Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 13.2% in tier
  • + Deposit Franchise: Top 71.2% in tier
  • + ROA 0.53% above tier average
  • + Delinquency Rate 0.83% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Ratio 0.75% above tier average
Get updates when Lake Region Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $153.0M
+5.5% YoY +1.1% QoQ
-$233.6M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
Bottom 14.9% in tier
Total Loans ? $74.8M
+10.1% YoY +1.1% QoQ
-$183.6M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
Bottom 8.4% in tier
Total Deposits ? $139.1M
+8.1% YoY +0.3% QoQ
-$187.7M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
18%
Return on Assets ? 1.85%
+15.9% YoY +10.2% QoQ
+0.53% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
82%
Net Interest Margin ? 4.67%
+5.5% YoY -1.3% QoQ
+0.68% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
85%
Efficiency Ratio ? 65.23%
-3.7% YoY -2.9% QoQ
+0.75% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
42%
Delinquency Rate ? 0.09%
-58.0% YoY +29.3% QoQ
-0.83% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
75%
Loan-to-Deposit Ratio ? 53.77%
+1.8% YoY +0.8% QoQ
-24.18% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
Top 11.4% in tier
Non-Interest-Bearing Deposit Share ? 33.26%
+12.2% YoY -4.4% QoQ
+11.23% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
Top 12.0% in tier
Nonperforming Asset Ratio ? 0.04%
-56.2% YoY +29.3% QoQ
-0.62% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
79%
Tier 1 Capital Ratio ? 18.78%
-7.5% YoY +2.7% QoQ
+2.87% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
84%
Non-Interest Income / Assets ? 0.73%
+0.7% YoY +113.4% QoQ
+0.17% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
Top 5.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 33.3%
+3.6pp YoY
-1.5pp QoQ
 +11.1pp 22.1% 21.9% 22.2% 88%
Brokered Deposits n/a n/a 7.9% 8.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 16.3%
-2.3pp YoY
+1.0pp QoQ
 +4.7pp 11.6% 14.6% 12.5% 80%
CRE 39.7%
+0.8pp YoY
-1.5pp QoQ
 +0.2pp 39.5% 36.5% 41.4% 53%
1-4 Family 27.5%
+0.3pp YoY
-2.4pp QoQ
 -5.1pp 32.6% 29.4% 31.3% 46%
Consumer 7.9%
+0.3pp YoY
+0.6pp QoQ
 +3.8pp 4.1% 4.5% 5.0% 88%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 18.8%
-1.5pp YoY
+0.5pp QoQ
 0.0pp 18.8% 16.5% 19.7% 73%
Leverage Ratio 10.4%
-0.7pp YoY
+0.4pp QoQ
 -1.7pp 12.2% 11.0% 12.6% 40%
Total Capital Ratio 19.7%
-1.6pp YoY
+0.5pp QoQ
 -0.3pp 19.9% 17.6% 20.8% 72%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 31
-1 (-3.1%) YoY
+1 (+3.3%) QoQ
 -28 58 55 482 28%
Assets per Employee ($) $4.9M
+8.9% YoY
-2.1% QoQ
 -$2.6M $7.5M $8.6M $8.8M 14%
Branch Count 3
0 YoY
0 QoQ
 -2 4 4 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 0.9% 1.0% 1.0% 17%
Allowance Coverage 11.21x
+114.2% YoY
-23.4% QoQ
 -12.95x 24.15x 20.41x 20.23x 83%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 6%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 21.8%
+1.9pp YoY
+2.1pp QoQ
 +9.6pp 12.2% 13.1% 11.6% 92%
Cost of Funds (YTD) 0.5%
0.0pp YoY
0.0pp QoQ
 -1.2pp 1.7% 1.7% 1.7% 2%
Net Income ($, YTD) $1.4M
+21.3% YoY
— QoQ
 -$1.2M $2.6M $4.5M $40.4M 38%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth
#88 of 661 • Top 13.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.73%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.85%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Franchise

growth
#199 of 278 • Top 71.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 33.26%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.67%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (8 metrics)

144
Non-Interest Income / Assets
revenue_mix
Value: 0.73%
Peer Median: 0.57%
#144 of 2643 Top 5.4% in $100M-$1B
301
Loan-to-Deposit Ratio
liquidity
Value: 53.77%
Peer Median: 77.95%
#301 of 2643 Top 11.4% in $100M-$1B
317
Non-Interest-Bearing Deposit Share
funding
Value: 33.26%
Peer Median: 22.03%
#317 of 2643 Top 12.0% in $100M-$1B
401
Net Interest Margin
profitability
Value: 4.67%
Peer Median: 3.99%
#401 of 2643 Top 15.1% in $100M-$1B
437
Tier 1 Capital Ratio
capital
Value: 18.78%
Peer Median: 15.91%
#437 of 2643 Top 16.5% in $100M-$1B
470
Return on Assets
profitability
Value: 1.85%
Peer Median: 1.32%
#470 of 2643 Top 17.7% in $100M-$1B
544
Nonperforming Asset Ratio
credit_quality
Value: 0.04%
Peer Median: 0.67%
#544 of 2643 Top 20.5% in $100M-$1B
657
Delinquency Rate
credit_quality
Value: 0.09%
Peer Median: 0.92%
#657 of 2633 Top 24.9% in $100M-$1B

Top Weaknesses (3 metrics)

2422
Total Loans
size
Value: $74.77M
Peer Median: $258.35M
#2422 of 2643 Bottom 8.4% in $100M-$1B
2250
Total Assets
size
Value: $152.99M
Peer Median: $386.57M
#2250 of 2643 Bottom 14.9% in $100M-$1B
2168
Total Deposits
size
Value: $139.06M
Peer Median: $326.73M
#2168 of 2643 Bottom 18.0% in $100M-$1B
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