BlastPoint's Banking Scorecard
Lake Elmo Bank
Lake Elmo, MN
9 branches across MN
Lake Elmo Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.45% above tier average
- + Net Interest Margin 0.19% above tier average
- + Efficiency Ratio 10.84% below tier average
- + Delinquency Rate 0.48% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 40.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$530.9M
+2.2% YoY
-0.1% QoQ
|
+$144.9M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
75% |
| Total Loans ? |
$410.6M
+5.4% YoY
+1.5% QoQ
|
+$154.9M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
81% |
| Total Deposits ? |
$462.4M
+1.0% YoY
-0.8% QoQ
|
+$134.4M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
76% |
| Return on Assets ? |
1.72%
-1.7% YoY
-6.7% QoQ
|
+0.45% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
78% |
| Net Interest Margin ? |
4.12%
+1.4% YoY
-3.9% QoQ
|
+0.19% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
64% |
| Efficiency Ratio ? |
54.45%
-1.9% YoY
-1.4% QoQ
|
-10.84% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
75% |
| Delinquency Rate ? |
0.40%
-14.2% YoY
+576.6% QoQ
|
-0.48% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
88.80%
+4.3% YoY
+2.4% QoQ
|
+12.17% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
26.68%
-1.0% YoY
+2.0% QoQ
|
+4.66% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.47%
-5.4% YoY
+128.0% QoQ
|
-0.16% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
39% |
| Tier 1 Capital Ratio ? |
16.49%
+0.1% YoY
+2.7% QoQ
|
+0.66% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.18%
+13.3% YoY
-68.8% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
80% |
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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 (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.