LAKE CENTRAL BANK

ANNANDALE, MN | Small | Est. Aug. 15, 1893, midnight | FDIC #10989 | RSSD #269058 | FDIC
Latest Report: 2025-12-31

LAKE CENTRAL BANK is asn small FDIC-insured commercial bank headquartered in ANNANDALE, MN, established in Aug. 15, 1893, midnight. As of 2025-12-31, the bank reported total assets of $287M and total deposits of $246M. Profitability stands at 2.12% ROA and 20.46% ROE, with a net interest margin of 4.44%. The bank's CET1 capital ratio is 14.25%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.03%. FDIC Certificate #10989.

Assets

$287M

Deposits

$246M

Loans

$190M

Equity

$31M

Profitability

Return on Assets (ROA) 2.12%
Return on Equity (ROE) 20.46%
Net Interest Margin (NIM) 4.44%
Yield on Assets 5.49%
Cost of Funds 1.12%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.03%
NPA Ratio 0.00%
ACL / Loans 1.16%

Capital & Liquidity

CET1 Ratio 14.25%
Tier 1 Capital 14.25%
Total Capital Ratio 15.23%
Leverage Ratio 11.27%
Loan-to-Deposit 77.33%

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