Branch Network
Lake Central Bank Locations & Branches Annandale, Minnesota
BankRegReports is independent of Lake Central Bank and never asks for online banking logins or passwords.
Lake Central Bank operates 3 branches from its headquarters in Annandale, MN, .
Lake Central Bank branch network
All 3 branches are in MINNESOTA, across 3 cities. Its largest office by deposits is its main office in Annandale, MN, with $153.5M (59.6% of its branch deposits). It had the same number of branches on June 30, 2025.
Lake Central Bank at a glance
Its CET1 capital ratio was 14.18% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $291.3M
- CET1 ratio, Q2 2026
- 14.18%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 1893
Full financial profile · Is Lake Central Bank safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Annandale, MN (1 branch) | 1 of 2 | 82.1% | $153.5M |
| State: MN (3 branches) | 120 of 277 | <0.1% | $257.3M |
Ranked by total assets among banks headquartered in the state: Largest banks in Minnesota.
Share by county and metro area
Lake Central Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Wright, MN (2 branches) | 4 of 24 | 6.7% | $200.2M | $2.99B |
| Swift, MN (1 branch) | 2 of 8 | 17.8% | $57.1M | $320.1M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Minneapolis-St. Paul-Bloomington, MN-WI (2 branches) | 68 of 124 | <0.1% | $200.2M | $252.68B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lake Central Bank (main office) | Annandale, MN | 55302 | $153.5M |
| State Bank of Danvers Branch | Benson, MN | 56215 | $57.1M |
| Clearwater Branch | Clearwater, MN | 55320 | $46.7M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 10989) · FFIEC NIC profile (RSSD 269058)