BlastPoint's Banking Scorecard

Lake Country Community Bank

under $100M Specialty: Commercial MN FDIC cert 17122

Designations: ✓ Community bank ✓ Minority Depository Institution

Morristown, MN

2 branches across MN

541 banks in the under $100M peer group nationally 55 in MN

Lake Country Community Bank has 3 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

+ Delinquency Rate 1.37% below tier average
+ Non-Interest-Bearing Deposit Share 15.31% above tier average
+ Net Interest Margin 0.58% above tier average

Key Concerns

Areas that may need attention

- ROA 0.82% below tier average
- Efficiency Ratio 3.08% above tier average

Get updates when Lake Country Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$31.0M -7.8% YoY -4.9% QoQ	-$31.1M	$62.2M -0.6% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Bottom 12.9% in tier
Total Loans ?	$16.0M +14.0% YoY +15.6% QoQ	-$18.3M	$34.2M -1.4% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	21%
Total Deposits ?	$27.8M -8.8% YoY -5.4% QoQ	-$24.0M	$51.7M -0.7% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	18%
Return on Assets ?	0.01% -73.3% YoY +121.0% QoQ	-0.82%	0.84% -2.3% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	16%
Net Interest Margin ?	4.44% +26.1% YoY +19.8% QoQ	+0.58%	3.86% +2.8% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	75%
Efficiency Ratio ?	91.42% +15.0% YoY -1.8% QoQ	+3.08%	88.34% +0.3% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	20%
Delinquency Rate ?	0.00% -100.0% YoY	-1.37%	1.37% +33.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	57.48% +25.1% YoY +22.2% QoQ	-6.74%	64.22% -0.7% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	62%
Non-Interest-Bearing Deposit Share ?	39.02% +23.8% YoY +0.6% QoQ	+15.31%	23.71% +0.3% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	Top 9.8% in tier
Nonperforming Asset Ratio ?	1.36% +5.2% QoQ	+0.57%	0.79% +28.2% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	19%
Tier 1 Capital Ratio ?	21.12% +4.0% YoY -6.1% QoQ	-5.56%	26.68% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.03% +8.5% YoY -71.3% QoQ	-0.64%	0.67% +1.9% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	22%

Get Full Access to Lake Country Community Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (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 541 peers in under $100M

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 39.02%

Peer Median: 23.71%

#54 of 541 Top 9.8% in under $100M

136

Net Interest Margin

profitability

Value: 4.44%

Peer Median: 3.86%

#136 of 541 Top 25.0% in under $100M

Top Weaknesses (7 metrics)

472

Total Assets

size

Value: $31.04M

Peer Median: $62.16M

#472 of 541 Bottom 12.9% in under $100M

457

Return on Assets

profitability

Value: 0.01%

Peer Median: 0.84%

#457 of 541 Bottom 15.7% in under $100M

445

Total Deposits

size

Value: $27.75M

Peer Median: $51.74M

#445 of 541 Bottom 17.9% in under $100M

441

Nonperforming Asset Ratio

credit_quality

Value: 1.36%

Peer Median: 0.79%

#441 of 541 Bottom 18.7% in under $100M

436

Efficiency Ratio

profitability

Value: 91.42%

Peer Median: 88.34%

#436 of 541 Bottom 19.6% in under $100M

427

Total Loans

size

Value: $15.95M

Peer Median: $34.25M

#427 of 541 Bottom 21.3% in under $100M

424

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.67%

#424 of 541 Bottom 21.8% in under $100M