Lake Central Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 753.88 percentage points higher than in Q1 2026, at 3640.30%. On return on assets, Lake Central Bank ranks 14th highest among the 221 banks headquartered in Minnesota, at 2.35% (Q2 2026). Lake Central Bank's return on assets of 2.35% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.09 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.18% |
| Tier 1 risk-based capital ratio | 14.18% |
| Total risk-based capital ratio | 15.26% |
| Tier 1 leverage ratio | 11.15% |
| Equity capital to assets | 10.45% |
| Tangible equity to tangible assets | 9.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.26% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 3640.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.35% |
| Return on equity | 23.08% |
| Net interest margin | 4.29% |
| Efficiency ratio | 46.25% |
| Yield on earning assets | 5.42% |
| Cost of funds | 1.27% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.34% |
| Core deposits to total deposits | 97.84% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.34% |
| Securities to assets | 27.81% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.57% | 13.57% | 14.59% | 9.34% | 1.05% |
| Q4 2023 | 13.47% | 13.47% | 14.49% | 9.06% | 1.57% |
| Q1 2024 | 13.89% | 13.89% | 14.92% | 9.13% | 1.18% |
| Q2 2024 | 13.77% | 13.77% | 14.64% | 9.81% | 1.75% |
| Q3 2024 | 13.89% | 13.89% | 14.77% | 10.14% | 1.62% |
| Q4 2024 | — | — | — | 10.27% | 1.62% |
| Q1 2025 | 14.12% | 14.12% | 15.16% | 10.64% | 1.52% |
| Q2 2025 | 13.92% | 13.92% | 14.91% | 10.78% | 1.76% |
| Q3 2025 | 13.95% | 13.95% | 14.94% | 10.76% | 2.06% |
| Q4 2025 | 14.25% | 14.25% | 15.23% | 11.27% | 2.10% |
| Q1 2026 | 13.56% | 13.56% | 14.59% | 10.90% | 2.40% |
| Q2 2026 | 14.18% | 14.18% | 15.26% | 11.15% | 2.35% |
Lake Central Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake Central Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Lake Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10989) · FFIEC NIC profile (RSSD 269058)