Bank call report · Morristown, MN
Lake Country Community Bank Call Report
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Lake Country Community Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 262 reported line items, schedule by schedule (788 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 706450 |
| FDIC certificate number | 17122 |
| Total assets | $31.5M |
Official Q2 2026 call report PDF (FFIEC) →
Lake Country Community Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · Lake Country Community Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $31.5M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $31.5M |
| Total Liabilities and Minority Interest | RCON2948 | $28.4M |
| Total Deposits | RCON2200 | $28.2M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $17.4M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $17.3M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $17.1M |
| Deposits: Noninterest-bearing | RCON6631 | $10.8M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $6.6M |
| Interest-bearing Balances | RCON0071 | $4.5M |
| Surplus | RCON3839 | $3.9M |
| Total Equity Capital | RCON3210 | $3.1M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $3.1M |
| Federal Funds Sold | RCONB987 | $1.0M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $857K |
| Other Assets | RCON2160 | $752K |
| Accumulated Other Comprehensive Income | RCONB530 | -$722K |
| Other Real Estate Owned | RCON2150 | $423K |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $249K |
| Allowance for Loan and Lease Losses | RCON3123 | $233K |
| Undivided Profits and Capital Reserves | RCON3632 | -$232K |
| Other Liabilities, Total | RCON2930 | $184K |
| Common Stock | RCON3230 | $175K |
Schedule RI: Income Statement (36 items)
About Schedule RI · Lake Country Community Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $809K |
| Net Interest Income | RIAD4074 | $693K |
| Total Noninterest Expense | RIAD4093 | $612K |
| Interest and Fee Income on Loans, Total | RIAD4010 | $610K |
| Salaries and Employee Benefits | RIAD4135 | $322K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $256K |
| Other Noninterest Expense | RIAD4092 | $252K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $172K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $160K |
| Total Interest Expense | RIAD4073 | $116K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $99K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $66K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $61K |
| Provision for Loan and Lease Losses | RIAD4230 | $55K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $51K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $49K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $49K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $38K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $35K |
| Net Income (Loss) | RIAD4340 | $35K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $35K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $34K |
| Total Noninterest Income | RIAD4079 | $19K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $18K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $17K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $17K |
| Other Noninterest Income | RIADB497 | $16K |
| Applicable Income Taxes | RIAD4302 | $14K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $11K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $5K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $4K |
| Income from Lease Financing Receivables | RIAD4065 | $3K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $3K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $2K |
| Other Interest Income | RIAD4518 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 8 |
Schedule RC-B: Securities (15 items)
About Schedule RC-B · Lake Country Community Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $3.0M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $2.5M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $7.7M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $4.4M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $3.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $2.6M |
| Pledged Securities | RCON0416 | $2.4M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $2.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $1.3M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $492K |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $243K |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $242K |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $242K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $242K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $20K |
Schedule RC-C, Part I: Loans and Leases (30 items)
About Schedule RC-C, Part I · Lake Country Community Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $17.3M |
| Commercial and Industrial Loans | RCON1766 | $4.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $4.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $4.2M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $4.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $3.5M |
| Pledged Loans and Leases | RCONG378 | $3.2M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $3.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $2.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $2.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $2.3M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $1.6M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $1.2M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $968K |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $822K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $789K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $618K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $581K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $463K |
| Real Estate Loans Secured by Farmland | RCON1420 | $270K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $180K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $150K |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $131K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $111K |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $87K |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $39K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $34K |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $30K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $13K |
| Other Loans | RCONJ464 | $3K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (16 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $5.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $3.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $827K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $259K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $157K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $113K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $95K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $30K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 11 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 9 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 7 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 5 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 3 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 3 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 1 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 1 |
Schedule RC-E: Deposit Liabilities (22 items)
About Schedule RC-E · Lake Country Community Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $14.5M |
| Total Transaction Accounts | RCON2215 | $13.7M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $13.5M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $12.9M |
| Total Demand Deposits (See Note Below) | RCON2210 | $10.8M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $5.1M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $4.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $3.1M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $2.8M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $2.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $1.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $1.1M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $1.1M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $1.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $950K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $863K |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $769K |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $642K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $405K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $265K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $203K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $18K |
Schedule RC-F: Other Assets (4 items)
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $73K |
| All Other Liabilities | RCON2938 | $57K |
| Other Expenses Accrued and Unpaid | RCON3646 | $44K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $10K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Lake Country Community Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $31.7M |
| Quarterly Average of Total Loans | RCON3360 | $16.5M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $9.6M |
| Mortgage-backed Securities | RCONB559 | $6.6M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $6.4M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $5.4M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $5.0M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $4.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $4.1M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $2.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $1.1M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $1.0M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $483K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $224K |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCON3484 | $95K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (4 items)
About Schedule RC-L · Lake Country Community Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $920K |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $590K |
| Commercial and Similar Letters of Credit | RCON3411 | $175K |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $167K |
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · Lake Country Community Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $423K |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $65K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Lake Country Community Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $31.7M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $28.3M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $21.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $5.8M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $3.9M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $378K |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $265K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 1,998 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 27 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 12 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Lake Country Community Bank regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · Lake Country Community Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $31.7M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $31.6M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $18.5M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $4.1M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $4.0M |
| Common Equity Tier 1 Capital | RCOAP859 | $3.8M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $3.8M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $3.8M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $3.1M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$722K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$722K |
| Retained Earnings | RCOAKW00 | -$232K |
| General Loan and Lease Valuation Allowances | RCOA5310 | $231K |
| Tier 2 (Supplementary) Capital | RCOA5311 | $231K |
| Tier 2 Capital Before Deductions | RCOAP870 | $231K |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $98K |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $98K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.2159 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.2034 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.2034 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1359 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1192 |
Schedule RC-R, Part II: Risk-Weighted Assets (45 items)
About Schedule RC-R, Part II · Lake Country Community Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $18.5M |
| Total Risk-weighted Assets | RCONG641 | $18.5M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $14.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $14.3M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $14.0M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $11.6M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $11.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $7.0M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $7.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $7.0M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $7.0M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $6.6M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $5.7M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $5.7M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $5.3M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $5.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $4.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $4.3M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $4.3M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $2.1M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $2.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $1.5M |
| Total All Other Assets | RCOND981 | $1.4M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $1.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $1.3M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$1.1M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$1.0M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $1.0M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $1.0M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $903K |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $635K |
| Allocation by Risk Weight Category 150%, All Other Assets | RCONH185 | $423K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $423K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $423K |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $339K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $257K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $257K |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $197K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Face, Notional, or Other Amount | RCONG606 | $175K |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $99K |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $99K |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $98K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Credit Equivalent Amount | RCONG607 | $35K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - 0 Pct Risk Weight Category | RCONG608 | $20K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - 100 Pct Risk Weight Category | RCONG611 | $15K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $3.2M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $3.2M |
| Total Equity Capital | RIAD3210 | $3.1M |
| Other Comprehensive Income | RIADB511 | -$44K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (2 items)
About Schedule RI-B, Part I · Lake Country Community Bank charge-offs and recoveries on loans and leases trends
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Lake Country Community Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $233K |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $177K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$4K |
Lake Country Community Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Lake Country Community Bank call report?
The Lake Country Community Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Lake Country Community Bank file?
Lake Country Community Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Lake Country Community Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Lake Country Community Bank has Federal Reserve RSSD ID 706450 and FDIC certificate number 17122. Either one finds its filings on the FFIEC Central Data Repository.
How often does Lake Country Community Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Lake Country Community Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 17122) · FFIEC NIC profile (RSSD 706450)