LAKE ELMO BANK
LAKE ELMO BANK is an FDIC-insured commercial bank headquartered in LAKE ELMO, MN, established in 1911. As of , 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 4.20%. CET1 capital ratio: 16.06%, well above regulatory minimums. NPL ratio: 0.46% · Texas Ratio: 4.38%. Operates 8 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Lake Elmo Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 |
|---|---|---|---|---|---|
| 2025-12-31 | 16.06% | 1.86% | 0.46% | 4.38% | 4.20% |
| 2025-09-30 | 16.33% | 1.93% | 0.67% | 5.43% | 4.33% |
| 2025-06-30 | 16.35% | 1.86% | 0.69% | 5.69% | 4.33% |
| 2025-03-31 | 16.47% | 1.75% | 0.53% | 4.78% | 3.99% |
| 2024-12-31 | 15.69% | 1.73% | 0.28% | 3.31% | 4.01% |
| 2024-09-30 | 15.85% | 1.85% | 0.23% | 1.55% | 4.16% |
| 2024-06-30 | 15.60% | 1.70% | 0.63% | 4.49% | 4.07% |
| 2024-03-31 | 15.78% | 1.73% | 0.05% | 0.90% | 4.00% |
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Frequently asked about LAKE ELMO BANK
What are Lake Elmo Bank's total assets?
As of the Q4 2025 filing, Lake Elmo Bank reported total assets of $531.4 million in its most recent 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 required of all FDIC-insured commercial banks.
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 16.06% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Lake Elmo Bank operate?
Lake Elmo Bank operates 8 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Lake Elmo Bank's Texas Ratio?
Lake Elmo Bank's Texas Ratio is 4.38% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.