Bank Comparison
Minnesota Lakes Bank vs 1st Equity Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 14
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Minnesota Lakes Bank | 1st Equity Bank |
|---|---|---|
| CET1 Ratio | 15.42% | 22.76% |
| Tier 1 Capital Ratio | 15.42% | 22.76% |
| Total Capital Ratio | 16.36% | 24.02% |
| Tier 1 Leverage Ratio | 10.64% | 16.22% |
| Equity / Assets | 11.97% | 16.91% |
Profitability
| Metric | Minnesota Lakes Bank | 1st Equity Bank |
|---|---|---|
| Return on Assets (ROA) | 1.35% | 1.62% |
| Return on Equity (ROE) | 11.28% | 9.78% |
| Net Interest Margin (NIM) | 6.30% | 3.87% |
| Yield on Earning Assets | 6.74% | 6.01% |
| Cost of Funds | 0.41% | 2.43% |
Asset quality
| Metric | Minnesota Lakes Bank | 1st Equity Bank |
|---|---|---|
| Texas Ratio | 20.23% | 0.00% |
| Non-Performing Loan Ratio | 1.37% | 0.00% |
| Non-Performing Asset Ratio | 0.86% | 0.00% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.00% | 1.65% |
Balance sheet
| Metric | Minnesota Lakes Bank | 1st Equity Bank |
|---|---|---|
| Total Assets | $126,478K | $126,495K |
| Total Deposits | $110,389K | $83,767K |
| Total Loans | $79,062K | $90,288K |
| Total Equity | $15,140K | $21,392K |
| Net Income (quarter) | $428 | $515 |
Liquidity & funding
| Metric | Minnesota Lakes Bank | 1st Equity Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 71.62% | 107.78% |
| Core Deposit Ratio | 95.59% | 90.63% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Minnesota Lakes Bank | 1st Equity Bank |
|---|---|---|
| Headquarters City | DELANO | SKOKIE |
| Headquarters State | MN | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 22 | 12 |
| Established | June 24, 1982, midnight | June 9, 1997, 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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