LUMINATE BANK

MINNEAPOLIS, MN | Medium | Est. March 1, 1937, midnight | FDIC #16635 | RSSD #310754 | FDIC
Latest Report: 2025-12-31

LUMINATE BANK is amn medium FDIC-insured commercial bank headquartered in MINNEAPOLIS, MN, established in March 1, 1937, midnight. As of 2025-12-31, the bank reported total assets of $511M and total deposits of $432M. Profitability stands at 3.95% ROA and 41.21% ROE, with a net interest margin of 5.42%. The bank's CET1 capital ratio is 12.51%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.49% and a Texas Ratio of 19.33%. FDIC Certificate #16635.

Assets

$511M

Deposits

$432M

Loans

$372M

Equity

$49M

Profitability

Return on Assets (ROA) 3.95%
Return on Equity (ROE) 41.21%
Net Interest Margin (NIM) 5.42%
Yield on Assets 7.81%
Cost of Funds 2.57%

Asset Quality

NPL Ratio 2.49%
Net Charge-Off Ratio 1.93%
Texas Ratio 19.33%
NPA Ratio 2.03%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 12.51%
Tier 1 Capital 12.51%
Total Capital Ratio 13.76%
Leverage Ratio 10.09%
Loan-to-Deposit 86.20%

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