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

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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
Deposits -5.4% year over year ($28.2M on the books).
Delinquency rate 0.00%.
Return on assets 0.22%.
Efficiency ratio 85.96% vs a 119.40% peer average.
Loan-to-deposit ratio 60.68% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 52 in MN

View under $100M leaderboard (MN) →

Lake Country Community Bank has 3 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

+ Delinquency Rate 1.48% below tier average
+ Net Interest Margin 0.78% above tier average
+ Efficiency Ratio 33.44% below tier average

Key Concerns

Areas that may need attention

- ROA 0.78% below tier average

Get updates when Lake Country Community 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 ?	$31.5M -4.4% YoY +1.6% QoQ	-$30.9M	$62.4M -0.0% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	Bottom 13.1% in tier
Total Loans ?	$17.1M +17.1% YoY +7.3% QoQ	-$17.8M	$34.9M -0.6% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	22%
Total Deposits ?	$28.2M -5.4% YoY +1.6% QoQ	-$23.4M	$51.6M -0.2% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	18%
Return on Assets ?	0.22%	-0.78%	1.00% +3.5% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	17%
Net Interest Margin ?	4.69% +30.6% YoY +5.8% QoQ	+0.78%	3.91% +2.3% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	80%
Efficiency Ratio ?	85.96% -5.0% YoY -6.0% QoQ	-33.44%	119.40% +49.6% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	22%
Delinquency Rate ?	0.00%	-1.48%	1.48% +31.8% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	60.68% +23.8% YoY +5.6% QoQ	-13.53%	74.21% +12.6% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	58%
Non-Interest-Bearing Deposit Share ?	38.14% +14.3% YoY -2.3% QoQ	+14.65%	23.49% +0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	Top 10.1% in tier
Nonperforming Asset Ratio ?	1.34% -1.5% QoQ	+0.51%	0.84% +23.0% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	18%
Tier 1 Capital Ratio ?	20.34% +0.1% YoY -3.7% QoQ	-6.78%	27.13% +3.0% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	70%
Non-Interest Income / Assets ?	0.06% -5.3% YoY +107.9% QoQ	-1.32%	1.38% +6.3% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	22%

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	38.1% +4.8pp YoY -0.9pp QoQ	+13.5pp	24.6%	21.9%	22.2%	89%
Brokered Deposits	n/a	n/a	9.8%	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	26.0% +3.9pp YoY +1.8pp QoQ	+12.6pp	13.4%	14.6%	12.5%	87%
CRE	37.6% -13.4pp YoY -1.3pp QoQ	+12.4pp	25.2%	36.5%	41.4%	80%
1-4 Family	33.3% +12.6pp YoY +1.1pp QoQ	-1.6pp	35.0%	29.4%	31.3%	54%
Consumer	1.3% -0.5pp YoY -0.1pp QoQ	-6.3pp	7.7%	4.5%	5.0%	15%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	20.3% 0.0pp YoY -0.8pp QoQ	-18.3pp	38.7%	16.5%	19.7%	48%
Leverage Ratio	11.9% +0.4pp YoY +0.1pp QoQ	-5.8pp	17.7%	11.0%	12.6%	39%
Total Capital Ratio	21.6% +0.2pp YoY -0.8pp QoQ	-18.1pp	39.7%	17.6%	20.8%	49%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	8 0 YoY 0 QoQ	-4	12	55	482	29%
Assets per Employee ($)	$3.9M -4.4% YoY +1.6% QoQ	-$2.2M	$6.2M	$8.6M	$8.8M	18%
Branch Count	2 0 YoY 0 QoQ	+0	1	4	18	63%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	1.0%	0.4%	0.4%	n/a
Nonaccrual	n/a	n/a	1.7%	1.0%	1.0%	n/a
Allowance Coverage	n/a	n/a	6.41x	20.41x	20.23x	n/a
Net Charge-off Rate (YTD)	-0.0%	-0.2pp	0.2%	0.2%	0.2%	25%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	2.2% +2.2pp YoY +2.1pp QoQ	-4.2pp	6.4%	13.1%	11.6%	20%
Cost of Funds (YTD)	0.8% -0.4pp YoY 0.0pp QoQ	-0.6pp	1.4%	1.7%	1.7%	16%
Net Income ($, YTD)	$35,000 +3400.0% YoY — QoQ	-$283K	$317,817	$4.5M	$40.4M	15%

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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 (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 536 peers in under $100M

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.48%

#1 of 517 Top 0.1% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 38.14%

Peer Median: 23.49%

#55 of 536 Top 10.1% in under $100M

107

Net Interest Margin

profitability

Value: 4.69%

Peer Median: 3.91%

#107 of 536 Top 19.8% in under $100M

Top Weaknesses (7 metrics)

467

Total Assets

size

Value: $31.52M

Peer Median: $62.44M

#467 of 536 Bottom 13.1% in under $100M

447

Return on Assets

profitability

Value: 0.22%

Peer Median: 1.00%

#447 of 536 Bottom 16.8% in under $100M

440

Total Deposits

size

Value: $28.20M

Peer Median: $51.62M

#440 of 536 Bottom 18.1% in under $100M

438

Nonperforming Asset Ratio

credit_quality

Value: 1.34%

Peer Median: 0.84%

#438 of 536 Bottom 18.5% in under $100M

420

Efficiency Ratio

profitability

Value: 85.96%

Peer Median: 119.40%

#420 of 536 Bottom 21.8% in under $100M

419

Total Loans

size

Value: $17.11M

Peer Median: $34.89M

#419 of 536 Bottom 22.0% in under $100M

418

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 1.38%

#418 of 536 Bottom 22.2% in under $100M