BanksLUMINATE BANK

LUMINATE BANK

MINNEAPOLIS, MNMediumEst. March 1, 1937, midnightFDIC #16635RSSD #310754FDIC
Latest · 2025-12-31

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.

Assets
$511M
Deposits
$432M
Loans
$372M
Equity
$49M

Profitability

Return on Assets (ROA)3.95%
Return on Equity (ROE)41.21%
Net Interest Margin5.42%
Yield on Assets7.81%
Cost of Funds2.57%

Asset Quality

NPL Ratio2.49%
Net Charge-Off Ratio1.93%
Texas Ratio19.33%
NPA Ratio2.03%
ACL / Loans1.29%

Capital & Liquidity

CET1 Ratio12.51%
Tier 1 Capital12.51%
Total Capital Ratio13.76%
Leverage Ratio10.09%
Loan-to-Deposit86.20%

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