BlastPoint's Banking Scorecard
Lakeview Bank
Lakeville, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
- Deposits +21.4% year over year ($195.8M on the books).
- Delinquency rate 1.01%.
- Return on assets 1.12%.
- Efficiency ratio 58.89% vs a 64.48% peer average.
- Loan-to-deposit ratio 76.09% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Lakeview Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 13.89% above tier average
- + Net Interest Margin 0.31% above tier average
- + Efficiency Ratio 5.59% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Delinquency Rate 0.09% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$218.3M
+22.4% YoY
+4.7% QoQ
|
-$168.2M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
31% |
| Total Loans ? |
$149.0M
+11.7% YoY
+5.8% QoQ
|
-$109.4M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$195.8M
+21.4% YoY
+4.8% QoQ
|
-$130.9M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
33% |
| Return on Assets ? |
1.12%
+6.1% YoY
+10.2% QoQ
|
-0.20% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
42% |
| Net Interest Margin ? |
4.29%
+3.6% YoY
+2.1% QoQ
|
+0.31% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
70% |
| Efficiency Ratio ? |
58.89%
-5.5% YoY
-6.3% QoQ
|
-5.59% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
60% |
| Delinquency Rate ? |
1.01%
+39.9% YoY
+3.1% QoQ
|
+0.09% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
76.09%
-8.0% YoY
+1.0% QoQ
|
-1.87% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
35.92%
+36.2% YoY
+21.0% QoQ
|
+13.89% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Top 8.9% in tier |
| Nonperforming Asset Ratio ? |
0.69%
+27.7% YoY
+4.2% QoQ
|
+0.02% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
12.98%
-3.0% YoY
-3.0% QoQ
|
-2.93% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.15%
-8.9% YoY
+89.3% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
35% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
35.9%
+9.5pp YoY +6.2pp QoQ |
+13.8pp | 22.1% | 21.9% | 22.2% | 91% |
| Brokered Deposits |
12.7%
+8.0pp YoY +6.0pp QoQ |
+4.8pp | 7.9% | 8.3% | 8.5% | 81% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.2%
-1.7pp YoY +1.2pp QoQ |
-0.3pp | 11.6% | 14.6% | 12.5% | 60% |
| CRE |
47.9%
+5.6pp YoY -0.3pp QoQ |
+8.4pp | 39.5% | 36.5% | 41.4% | 67% |
| 1-4 Family |
41.8%
-4.0pp YoY -1.0pp QoQ |
+9.2pp | 32.6% | 29.4% | 31.3% | 73% |
| Consumer |
0.0%
-0.1pp YoY 0.0pp QoQ |
-4.1pp | 4.1% | 4.5% | 5.0% | 3% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.0%
-0.4pp YoY -0.4pp QoQ |
-5.8pp | 18.8% | 16.5% | 19.7% | 28% |
| Leverage Ratio |
8.9%
-0.5pp YoY +0.2pp QoQ |
-3.3pp | 12.2% | 11.0% | 12.6% | 11% |
| Total Capital Ratio |
14.2%
-0.4pp YoY -0.4pp QoQ |
-5.7pp | 19.9% | 17.6% | 20.8% | 29% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
+2 (+9.5%) YoY +2 (+9.5%) QoQ |
-36 | 58 | 55 | 482 | 15% |
| Assets per Employee ($) |
$9.5M
+11.7% YoY -4.4% QoQ |
+$2.0M | $7.5M | $8.6M | $8.8M | 83% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 4 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.6%
+0.1pp YoY +0.3pp QoQ |
+0.3pp | 0.3% | 0.4% | 0.4% | 85% |
| Nonaccrual |
0.4%
+0.2pp YoY -0.3pp QoQ |
-0.5pp | 0.9% | 1.0% | 1.0% | 48% |
| Allowance Coverage |
1.16x
-36.8% YoY -16.3% QoQ |
-22.99x | 24.15x | 20.41x | 20.23x | 31% |
| Net Charge-off Rate (YTD) |
0.5%
+0.6pp YoY +0.3pp QoQ |
+0.4pp | 0.1% | 0.2% | 0.2% | 94% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.7%
+1.1pp YoY +1.5pp QoQ |
+1.5pp | 12.2% | 13.1% | 11.6% | 60% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY -0.1pp QoQ |
0.0pp | 1.7% | 1.7% | 1.7% | 52% |
| Net Income ($, YTD) |
$1.1M
+24.1% YoY — QoQ |
-$1.4M | $2.6M | $4.5M | $40.4M | 32% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.