BlastPoint's Banking Scorecard

Luminate Bank

$100M-$1B Specialty: Commercial MN FDIC cert 16635

Minneapolis, MN

2 branches across MN

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

Luminate Bank has 2 strengths but faces 5 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

+ Revenue Diversifier: Top 0.9% in tier
+ Profitability Leader: Top 1.3% in tier

Key Concerns

Areas that may need attention

- Efficiency Ratio 24.00% above tier average
- Non-Interest-Bearing Deposit Share 20.07% below tier average
- Nonperforming Asset Ratio 1.19% above tier average
- Net Interest Margin 0.28% below tier average
- Delinquency Rate 1.14% 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 ?	$517.3M +51.6% YoY +1.2% QoQ	+$131.3M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	74%
Total Loans ?	$414.1M +43.2% YoY +12.7% QoQ	+$158.4M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	81%
Total Deposits ?	$421.0M +67.5% YoY -2.5% QoQ	+$93.0M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	72%
Return on Assets ?	3.11% +403.6% YoY -16.3% QoQ	+1.84%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Top 1.7% in tier
Net Interest Margin ?	3.65% +5.2% YoY -13.1% QoQ	-0.28%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	38%
Efficiency Ratio ?	89.28% -6.8% YoY +2.4% QoQ	+24.00%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	Bottom 7.3% in tier
Delinquency Rate ?	2.03% -42.7% YoY -19.6% QoQ	+1.14%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Bottom 12.2% in tier
Loan-to-Deposit Ratio ?	98.35% -14.5% YoY +15.6% QoQ	+21.71%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Bottom 10.4% in tier
Non-Interest-Bearing Deposit Share ?	1.95% -32.3% YoY +88.3% QoQ	-20.07%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	Bottom 1.5% in tier
Nonperforming Asset Ratio ?	1.83% -40.6% YoY -9.5% QoQ	+1.19%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Bottom 7.9% in tier
Tier 1 Capital Ratio ?	13.07% -16.1% YoY +4.5% QoQ	-2.76%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	48%
Non-Interest Income / Assets ?	7.29% +8.0% YoY -71.7% QoQ	+7.01%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Top 0.4% 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 (2)

Revenue Diversifier

growth

#7 of 666 • Top 0.9% 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: 7.29%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 3.11%

(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

Profitability Leader

growth

#10 of 666 • Top 1.3% in tier

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

Why this signature

Return on Assets: 3.11%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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).

Compare against:

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

Top Strengths (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 7.29%

Peer Median: 0.28%

#12 of 2664 Top 0.4% in $100M-$1B

Return on Assets

profitability

Value: 3.11%

Peer Median: 1.27%

#45 of 2664 Top 1.7% in $100M-$1B

509

Total Loans

size

Value: $414.07M

Peer Median: $255.72M

#509 of 2664 Top 19.1% in $100M-$1B

Top Weaknesses (5 metrics)

2625

Non-Interest-Bearing Deposit Share

funding

Value: 1.95%

Peer Median: 22.02%

#2625 of 2664 Bottom 1.5% in $100M-$1B

2471

Efficiency Ratio

profitability

Value: 89.28%

Peer Median: 65.29%

#2471 of 2664 Bottom 7.3% in $100M-$1B

2454

Nonperforming Asset Ratio

credit_quality

Value: 1.83%

Peer Median: 0.64%

#2454 of 2664 Bottom 7.9% in $100M-$1B

2389

Loan-to-Deposit Ratio

liquidity

Value: 98.35%

Peer Median: 76.64%

#2389 of 2664 Bottom 10.4% in $100M-$1B

2330

Delinquency Rate

credit_quality

Value: 2.03%

Peer Median: 0.89%

#2330 of 2654 Bottom 12.2% in $100M-$1B