LUMINATE BANK is an 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%. CET1 capital ratio: 12.51%, well above regulatory minimums. NPL ratio: 2.49% · Texas Ratio: 19.33%. Operates 2 domestic branches.
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