Lake Country Community Bank
Capital moved notably last quarter — CET1 ratio of 21.12% was down 138bps from the prior quarter. Lake Country Community Bank is the primary bank subsidiary of its parent holding company, headquartered in Morristown, MN. Lake Country Community's Q1 2026 balance sheet shows $31M in assets funded primarily by $28M in customer deposits. Returns are subdued: 0.01% ROA and 0.13% ROE. Capital cushions are healthy: 21.12% CET1, 11.80% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.00%. It operates 2 branches, primarily in Minnesota.
Headquarters Profile
- Address
- 111 Division St N, MORRISTOWN, MN 55052
- County
- Rice
- Metro Area
- FARIBAULT-NORTHFIELD, MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- May 2, 1928
- Branches
- 2 domestic
- Employees (FTE)
- 8
- FDIC Cert
- 17122
- Fed RSSD
- 706450
- Website
- lccbank.com →
- Parent Holding Company
- MORRISTOWN HOLDING COMPANY (RSSD 1142868)
Capital & Liquidity
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Lake Country Community Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Lake Country Community Bank
What are Lake Country Community Bank's total assets?
As of the Q1 2026 filing, Lake Country Community Bank reported total assets of $31.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Lake Country Community Bank headquartered?
Lake Country Community Bank is headquartered in MORRISTOWN, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Lake Country Community Bank founded?
Lake Country Community Bank was established in 1928, per the FDIC institution directory.
Is Lake Country Community Bank FDIC-insured?
Yes. Lake Country Community Bank is an FDIC-insured commercial bank (FDIC Certificate #17122). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lake Country Community Bank?
Lake Country Community Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Lake Country Community Bank's CET1 capital ratio?
Lake Country Community Bank reported a Common Equity Tier 1 (CET1) capital ratio of 21.12% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Lake Country Community Bank operate?
Lake Country Community Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Lake Country Community Bank's Texas Ratio?
Lake Country Community Bank's Texas Ratio is 12.69% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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