MINNESOTA LAKES BANK

DELANO, MN | Small | Est. June 24, 1982, midnight | FDIC #23986 | RSSD #157650 | FED
Latest Report: 2025-12-31

MINNESOTA LAKES BANK is asn small FDIC-insured commercial bank headquartered in DELANO, MN, established in June 24, 1982, midnight. As of 2025-12-31, the bank reported total assets of $129M and total deposits of $112M. Profitability stands at 1.71% ROA and 14.56% ROE, with a net interest margin of 5.87%. The bank's CET1 capital ratio is 15.50%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.78% and a Texas Ratio of 4.03%. FDIC Certificate #23986.

Assets

$129M

Deposits

$112M

Loans

$81M

Equity

$15M

Profitability

Return on Assets (ROA) 1.71%
Return on Equity (ROE) 14.56%
Net Interest Margin (NIM) 5.87%
Yield on Assets 6.23%
Cost of Funds 0.38%

Asset Quality

NPL Ratio 0.78%
Net Charge-Off Ratio 1.68%
Texas Ratio 4.03%
NPA Ratio 0.49%
ACL / Loans 0.68%

Capital & Liquidity

CET1 Ratio 15.50%
Tier 1 Capital 15.50%
Total Capital Ratio 16.19%
Leverage Ratio 10.32%
Loan-to-Deposit 72.09%

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