BlastPoint's Banking Scorecard

Lake Region Bank

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

New London, MN

3 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

Lake Region Bank has 4 strengths but faces 2 concerns

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

+ Credit Quality Leader: Top 1.5% in tier
+ Revenue Diversifier: Top 16.8% in tier
+ Deposit Franchise: Top 57.7% in tier
+ ROA 0.41% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 11.8% in tier
- Efficiency Ratio 1.91% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$151.3M +6.3% YoY +5.4% QoQ	-$234.8M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Bottom 14.6% in tier
Total Loans ?	$73.9M +19.5% YoY +1.3% QoQ	-$181.8M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Bottom 8.8% in tier
Total Deposits ?	$138.6M +7.0% YoY +7.3% QoQ	-$189.4M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	18%
Return on Assets ?	1.68% +7.1% YoY +14.2% QoQ	+0.41%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	77%
Net Interest Margin ?	4.73% +10.1% YoY +4.5% QoQ	+0.80%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	Top 12.5% in tier
Efficiency Ratio ?	67.20% -2.8% YoY -0.1% QoQ	+1.91%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	39%
Delinquency Rate ?	0.07% +133.3% QoQ	-0.82%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	77%
Loan-to-Deposit Ratio ?	53.35% +11.6% YoY -5.6% QoQ	-23.29%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Top 12.3% in tier
Non-Interest-Bearing Deposit Share ?	34.80% +15.3% YoY +10.5% QoQ	+12.78%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	Top 10.2% in tier
Nonperforming Asset Ratio ?	0.03% +124.2% QoQ	-0.60%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	80%
Tier 1 Capital Ratio ?	18.28% -19.6% YoY -10.4% QoQ	+2.45%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	82%
Non-Interest Income / Assets ?	0.34% -10.1% YoY -78.6% QoQ	+0.06%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Top 5.5% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (3)

Credit Quality Leader

growth

#11 of 664 • Top 1.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.07%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#113 of 666 • Top 16.8% 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: 0.34%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.68%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Deposit Franchise

growth

#158 of 272 • Top 57.7% 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: 34.80%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.73%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#155 of 1308 • Bottom 11.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.07%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (8 metrics)

148

Non-Interest Income / Assets

revenue_mix

Value: 0.34%

Peer Median: 0.28%

#148 of 2664 Top 5.5% in $100M-$1B

272

Non-Interest-Bearing Deposit Share

funding

Value: 34.80%

Peer Median: 22.02%

#272 of 2664 Top 10.2% in $100M-$1B

328

Loan-to-Deposit Ratio

liquidity

Value: 53.35%

Peer Median: 76.64%

#328 of 2664 Top 12.3% in $100M-$1B

333

Net Interest Margin

profitability

Value: 4.73%

Peer Median: 3.93%

#333 of 2664 Top 12.5% in $100M-$1B

482

Tier 1 Capital Ratio

capital

Value: 18.28%

Peer Median: 15.83%

#482 of 2664 Top 18.1% in $100M-$1B

525

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.64%

#525 of 2664 Top 19.7% in $100M-$1B

610

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 0.89%

#610 of 2654 Top 22.9% in $100M-$1B

620

Return on Assets

profitability

Value: 1.68%

Peer Median: 1.27%

#620 of 2664 Top 23.2% in $100M-$1B

Top Weaknesses (3 metrics)

2431

Total Loans

size

Value: $73.94M

Peer Median: $255.72M

#2431 of 2664 Bottom 8.8% in $100M-$1B

2276

Total Assets

size

Value: $151.30M

Peer Median: $386.08M

#2276 of 2664 Bottom 14.6% in $100M-$1B

2188

Total Deposits

size

Value: $138.60M

Peer Median: $327.97M

#2188 of 2664 Bottom 17.9% in $100M-$1B