Bank Comparison
Lake Country Community Bank vs Minnesota First Credit and Savings, Incorporated
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 13
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Lake Country Community Bank | Minnesota First Credit and Savings, Incorporated |
|---|---|---|
| CET1 Ratio | 21.12% | 20.86% |
| Tier 1 Capital Ratio | 21.12% | 20.86% |
| Total Capital Ratio | 22.34% | 22.12% |
| Tier 1 Leverage Ratio | 11.80% | 14.23% |
| Equity / Assets | 10.07% | 14.04% |
Profitability
| Metric | Lake Country Community Bank | Minnesota First Credit and Savings, Incorporated |
|---|---|---|
| Return on Assets (ROA) | 0.01% | 0.30% |
| Return on Equity (ROE) | 0.13% | 2.09% |
| Net Interest Margin (NIM) | 4.40% | 4.15% |
| Yield on Earning Assets | 5.16% | 7.56% |
| Cost of Funds | 0.80% | 3.83% |
Asset quality
| Metric | Lake Country Community Bank | Minnesota First Credit and Savings, Incorporated |
|---|---|---|
| Texas Ratio | 12.69% | 0.61% |
| Non-Performing Loan Ratio | 0.00% | 0.11% |
| Non-Performing Asset Ratio | 1.36% | 0.09% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.29% | 1.57% |
Balance sheet
| Metric | Lake Country Community Bank | Minnesota First Credit and Savings, Incorporated |
|---|---|---|
| Total Assets | $31,038K | $30,012K |
| Total Deposits | $27,753K | $25,051K |
| Total Loans | $16,160K | $26,036K |
| Total Equity | $3,125K | $4,215K |
| Net Income (quarter) | $1 | $22 |
Liquidity & funding
| Metric | Lake Country Community Bank | Minnesota First Credit and Savings, Incorporated |
|---|---|---|
| Loan-to-Deposit Ratio | 58.23% | 103.93% |
| Core Deposit Ratio | 98.04% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Lake Country Community Bank | Minnesota First Credit and Savings, Incorporated |
|---|---|---|
| Headquarters City | MORRISTOWN | ROCHESTER |
| Headquarters State | MN | MN |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 8 | 6 |
| Established | May 2, 1928, midnight | Jan. 1, 1956, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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