Lake Elmo Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Lake Elmo Bank. Based in Lake Elmo, Minnesota, it had $530 million in assets at June 30, 2026, up 5.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.84% of loans from 0.04% a year earlier. It pays an average of 1.32% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also earns about $1.84 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
Delinquency has appeared in its $54 million non-owner-occupied commercial real estate book: 4.42% of those loans are past due or on nonaccrual, against almost none a year earlier. Its $57 million commercial and industrial book is improving, with 0.31% past due or on nonaccrual, down from 1.15% a year earlier.
As of June 30, 2026, Lake Elmo Bank reported a CET1 capital ratio of 16.14%, a return on assets of 1.84%, a nonperforming-loan ratio of 0.84% and a Texas ratio of 6.81%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 11465 39th St N, Lake Elmo, MN 55042
- County
- Washington
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 1, 1911
- Offices
- 9 domestic
- Employees (FTE)
- 77
- Domestic deposits
- $462.6M
- Allowance for credit losses
- $5.7M
- Net charge-offs (YTD)
- $284K
- Average total assets
- $533.6M
- Average total loans
- $423.3M
- Average interest-bearing deposits
- $343.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 19, 1936
- FDIC Cert
- 15443
- Fed RSSD
- 1015850
- Website
- www.lakeelmobank.com →
- Parent Holding Company
- LAKE ELMO BANCSHARES, INC. (RSSD 2360043)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Lake Elmo Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Lake Elmo Bank, freeLake Elmo Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.14% | 1.84% | 0.84% | 6.81% | 4.29% |
| Q1 2026 | 16.49% | 1.75% | 0.40% | 3.87% | 4.13% |
| Q4 2025 | 16.06% | 1.86% | 0.06% | 1.76% | 4.20% |
| Q3 2025 | 16.33% | 1.89% | 0.14% | 1.99% | 4.32% |
| Q2 2025 | 16.35% | 1.85% | 0.04% | 1.43% | 4.33% |
| Q1 2025 | 16.47% | 1.76% | 0.46% | 4.33% | 4.03% |
| Q4 2024 | 15.69% | 1.72% | 0.35% | 3.82% | 4.05% |
| Q3 2024 | 15.85% | 1.83% | 0.52% | 3.53% | 4.20% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lake Elmo Bank (main office) | Lake Elmo , MN | 55042 | $293.2M |
| Inwood Avenue North Branch | Oakdale , MN | 55128 | $105.2M |
| Stillwater Branch | Stillwater , MN | 55082 | $64.2M |
| Boutwells Landing Senior Center Branch | Oak Park Heights , MN | 55082 | $0 |
| St Terese of Woodbury-Senior Housing | Woodbury , MN | 55129 | $0 |
| The Fields at Arbor Glen Senior Living Branch | Lake Elmo , MN | 55042 | $0 |
| Echo Ridge Branch-Senior Housing | Oakdale , MN | 55128 | $0 |
| Oak Meadows Branch-Senior Housing | Oakdale , MN | 55128 | $0 |
Regulatory record
What the public regulatory sources show for Lake Elmo Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in MN, rank 66 of 279 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 149 applications, 136 loans originated, $45.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $5.0M approved, $5.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Lake Elmo Bank
What are Lake Elmo Bank's total assets?
As of the Q2 2026 filing, Lake Elmo Bank reported total assets of $529.7 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Lake Elmo Bank headquartered?
Lake Elmo Bank is headquartered in Lake Elmo, MN, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Lake Elmo Bank founded?
Lake Elmo Bank was established in 1911, per the FDIC institution directory.
Is Lake Elmo Bank FDIC-insured?
Yes. Lake Elmo Bank is an FDIC-insured commercial bank (FDIC Certificate #15443). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lake Elmo Bank?
Lake Elmo Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Lake Elmo Bank's CET1 capital ratio?
Lake Elmo Bank reported a Common Equity Tier 1 (CET1) capital ratio of 16.14% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Lake Elmo Bank operate?
Lake Elmo Bank operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lake Elmo Bank's Texas Ratio?
Lake Elmo Bank's Texas Ratio is 6.81% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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