BlastPoint's Banking Scorecard

Lake Elmo Bank

$100M-$1B Specialty: Commercial MN FDIC cert 15443

Lake Elmo, MN

9 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 +5.5% year over year ($462.6M on the books).
Delinquency rate 0.86%.
Return on assets 1.79%.
Efficiency ratio 54.99% vs a 64.48% peer average.
Loan-to-deposit ratio 91.31% 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 Elmo 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

+ ROA 0.46% above tier average
+ Net Interest Margin 0.26% above tier average
+ Efficiency Ratio 9.49% below tier average
+ Delinquency Rate 0.06% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 27.9% in tier
- Liquidity Overhang: Bottom 39.5% in tier

Get updates when Lake Elmo 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 ?	$529.7M +5.9% YoY -0.2% QoQ	+$143.2M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	74%
Total Loans ?	$422.4M +6.6% YoY +2.9% QoQ	+$164.0M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	81%
Total Deposits ?	$462.6M +5.5% YoY +0.0% QoQ	+$135.8M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	76%
Return on Assets ?	1.79% -1.6% YoY +3.7% QoQ	+0.46%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	79%
Net Interest Margin ?	4.25% -0.1% YoY +3.2% QoQ	+0.26%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	68%
Efficiency Ratio ?	54.99% -0.8% YoY +1.0% QoQ	-9.49%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	72%
Delinquency Rate ?	0.86% +112.3% QoQ	-0.06%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	32%
Loan-to-Deposit Ratio ?	91.31% +1.0% YoY +2.8% QoQ	+13.36%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	24%
Non-Interest-Bearing Deposit Share ?	25.56% -1.7% YoY -4.2% QoQ	+3.53%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	68%
Nonperforming Asset Ratio ?	0.85% +383.4% YoY +78.2% QoQ	+0.18%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	25%
Tier 1 Capital Ratio ?	16.14% -1.3% YoY -2.1% QoQ	+0.23%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	73%
Non-Interest Income / Assets ?	0.33% +16.4% YoY +89.0% QoQ	-0.23%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	77%

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	25.6% -0.5pp YoY -1.1pp QoQ	+3.4pp	22.1%	21.9%	22.2%	68%
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	13.5% -0.8pp YoY -0.1pp QoQ	+2.0pp	11.6%	14.6%	12.5%	70%
CRE	39.5% +0.8pp YoY +0.5pp QoQ	-0.1pp	39.5%	36.5%	41.4%	52%
1-4 Family	46.2% +0.2pp YoY -0.3pp QoQ	+13.6pp	32.6%	29.4%	31.3%	78%
Consumer	1.5% -0.7pp YoY -0.1pp QoQ	-2.7pp	4.1%	4.5%	5.0%	38%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	16.1% -0.2pp YoY -0.3pp QoQ	-2.7pp	18.8%	16.5%	19.7%	59%
Leverage Ratio	11.6% +0.3pp YoY -0.1pp QoQ	-0.5pp	12.2%	11.0%	12.6%	60%
Total Capital Ratio	17.4% -0.2pp YoY -0.4pp QoQ	-2.5pp	19.9%	17.6%	20.8%	59%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	77 -1 (-1.3%) YoY 0 QoQ	+18	58	55	482	75%
Assets per Employee ($)	$6.9M +7.3% YoY -0.2% QoQ	-$638K	$7.5M	$8.6M	$8.8M	50%
Branch Count	9 0 YoY 0 QoQ	+4	4	4	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	43%
Nonaccrual	0.8% +0.7pp YoY +0.5pp QoQ	-0.1pp	0.9%	1.0%	1.0%	66%
Allowance Coverage	1.57x -95.1% YoY -55.1% QoQ	-22.58x	24.15x	20.41x	20.23x	40%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY +0.1pp QoQ	0.0pp	0.1%	0.2%	0.2%	80%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	16.1% -1.1pp YoY +0.4pp QoQ	+3.9pp	12.2%	13.1%	11.6%	73%
Cost of Funds (YTD)	1.2% +0.1pp YoY 0.0pp QoQ	-0.5pp	1.7%	1.7%	1.7%	18%
Net Income ($, YTD)	$4.7M +2.1% YoY — QoQ	+$2.2M	$2.6M	$4.5M	$40.4M	86%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk

#194 of 691 • Bottom 27.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.31%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ

Liquidity Overhang

risk

#294 of 742 • Bottom 39.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.14%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 91.31%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

496

Total Loans

size

Value: $422.39M

Peer Median: $258.35M

#496 of 2643 Top 18.7% in $100M-$1B

543

Return on Assets

profitability

Value: 1.79%

Peer Median: 1.32%

#543 of 2643 Top 20.5% in $100M-$1B

607

Non-Interest Income / Assets

revenue_mix

Value: 0.33%

Peer Median: 0.57%

#607 of 2643 Top 22.9% in $100M-$1B

629

Total Deposits

size

Value: $462.57M

Peer Median: $326.73M

#629 of 2643 Top 23.8% in $100M-$1B

Top Weaknesses (2 metrics)

2019

Loan-to-Deposit Ratio

liquidity

Value: 91.31%

Peer Median: 77.95%

#2019 of 2643 Bottom 23.6% in $100M-$1B

1991

Nonperforming Asset Ratio

credit_quality

Value: 0.85%

Peer Median: 0.67%

#1991 of 2643 Bottom 24.7% in $100M-$1B