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Lake Central Bank

$100M-$1B Specialty: Commercial MN FDIC cert 10989

Annandale, 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 +8.2% year over year ($257.3M on the books).
  • Delinquency rate 0.04%.
  • Return on assets 2.39%.
  • Efficiency ratio 48.23% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.39% 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 Central Bank has 5 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

  • + Profitability Leader: Top 5.8% in tier
  • + Revenue Diversifier: Top 24.5% in tier
  • + Credit Quality Leader: Top 24.9% in tier
  • + Net Interest Margin 0.31% above tier average
  • + Efficiency Ratio 16.25% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 45.7% in tier
Get updates when Lake Central 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 ? $291.3M
+4.2% YoY +3.1% QoQ
-$95.3M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
44%
Total Loans ? $183.7M
+8.5% YoY -0.2% QoQ
-$74.6M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
44%
Total Deposits ? $257.3M
+8.2% YoY +2.9% QoQ
-$69.4M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
46%
Return on Assets ? 2.39%
+40.7% YoY -0.4% QoQ
+1.06% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
Top 6.1% in tier
Net Interest Margin ? 4.30%
+5.2% YoY -1.1% QoQ
+0.31% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
70%
Efficiency Ratio ? 48.23%
-15.9% YoY -0.8% QoQ
-16.25% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
Top 13.5% in tier
Delinquency Rate ? 0.04%
-40.5% YoY -14.7% QoQ
-0.87% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
81%
Loan-to-Deposit Ratio ? 71.39%
+0.2% YoY -3.0% QoQ
-6.56% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
67%
Non-Interest-Bearing Deposit Share ? 14.16%
-17.7% YoY -10.6% QoQ
-7.87% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
21%
Nonperforming Asset Ratio ? 0.03%
-38.1% YoY -17.5% QoQ
-0.64% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
82%
Tier 1 Capital Ratio ? 14.18%
+1.8% YoY +4.6% QoQ
-1.73% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
59%
Non-Interest Income / Assets ? 0.43%
+14.1% YoY +84.5% QoQ
-0.14% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
Top 12.4% 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 14.2%
-3.0pp YoY
-1.7pp QoQ
 -8.0pp 22.1% 21.9% 22.2% 21%
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 20.2%
-4.3pp YoY
-7.8pp QoQ
 +8.7pp 11.6% 14.6% 12.5% 89%
CRE 31.0%
+5.4pp YoY
+7.5pp QoQ
 -8.6pp 39.5% 36.5% 41.4% 36%
1-4 Family 28.0%
-0.6pp YoY
+0.8pp QoQ
 -4.7pp 32.6% 29.4% 31.3% 47%
Consumer 7.6%
-2.0pp YoY
-0.4pp QoQ
 +3.5pp 4.1% 4.5% 5.0% 87%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 14.2%
+0.3pp YoY
+0.6pp QoQ
 -4.6pp 18.8% 16.5% 19.7% 41%
Leverage Ratio 11.2%
+0.4pp YoY
+0.3pp QoQ
 -1.0pp 12.2% 11.0% 12.6% 53%
Total Capital Ratio 15.3%
+0.3pp YoY
+0.7pp QoQ
 -4.7pp 19.9% 17.6% 20.8% 40%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 36
0 YoY
0 QoQ
 -23 58 55 482 36%
Assets per Employee ($) $8.1M
+4.2% YoY
+3.1% QoQ
 +$574K $7.5M $8.6M $8.8M 69%
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 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 14%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 9%
Allowance Coverage 30.49x
+75.3% YoY
+22.6% QoQ
 +6.33x 24.15x 20.41x 20.23x 91%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 22.8%
+4.5pp YoY
-0.1pp QoQ
 +10.6pp 12.2% 13.1% 11.6% 93%
Cost of Funds (YTD) 1.1%
-0.1pp YoY
+0.1pp QoQ
 -0.6pp 1.7% 1.7% 1.7% 14%
Net Income ($, YTD) $3.4M
+46.4% YoY
— QoQ
 +$867K $2.6M $4.5M $40.4M 75%

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)

Profitability Leader

growth
#39 of 661 • Top 5.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.39%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Revenue Diversifier

growth
#163 of 661 • Top 24.5% 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: 0.43%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.39%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Credit Quality Leader

growth
#165 of 659 • Top 24.9% in tier

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

Why this signature
Delinquency Rate: 0.04%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank declining

Concerns (1)

NIB Deposit Bleed

decline
#75 of 162 • Bottom 45.7% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 14.16%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

161
Return on Assets
profitability
Value: 2.39%
Peer Median: 1.32%
#161 of 2643 Top 6.1% in $100M-$1B
329
Non-Interest Income / Assets
revenue_mix
Value: 0.43%
Peer Median: 0.57%
#329 of 2643 Top 12.4% in $100M-$1B
359
Efficiency Ratio
profitability
Value: 48.23%
Peer Median: 64.48%
#359 of 2643 Top 13.5% in $100M-$1B
466
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#466 of 2643 Top 17.6% in $100M-$1B
514
Delinquency Rate
credit_quality
Value: 0.04%
Peer Median: 0.92%
#514 of 2633 Top 19.5% in $100M-$1B

Top Weaknesses (1 metrics)

2086
Non-Interest-Bearing Deposit Share
funding
Value: 14.16%
Peer Median: 22.03%
#2086 of 2643 Bottom 21.1% in $100M-$1B
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