LAKE ELMO BANK

LAKE ELMO, MN | Medium | Est. Aug. 1, 1911, midnight | FDIC #15443 | RSSD #1015850 | FDIC
Latest Report: 2025-12-31

LAKE ELMO BANK is amn medium FDIC-insured commercial bank headquartered in LAKE ELMO, MN, established in Aug. 1, 1911, midnight. As of 2025-12-31, the bank reported total assets of $531M and total deposits of $466M. Profitability stands at 1.86% ROA and 16.95% ROE, with a net interest margin of 4.44%. The bank's CET1 capital ratio is 16.06%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 1.75%. FDIC Certificate #15443.

Assets

$531M

Deposits

$466M

Loans

$410M

Equity

$57M

Profitability

Return on Assets (ROA) 1.86%
Return on Equity (ROE) 16.95%
Net Interest Margin (NIM) 4.44%
Yield on Assets 5.66%
Cost of Funds 1.28%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio 0.07%
Texas Ratio 1.75%
NPA Ratio 0.21%
ACL / Loans 1.34%

Capital & Liquidity

CET1 Ratio 16.06%
Tier 1 Capital 16.06%
Total Capital Ratio 17.31%
Leverage Ratio 11.25%
Loan-to-Deposit 87.94%

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