Lake Elmo 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: 292.34 percentage points lower than in Q1 2026, at 170.07%. Lake Elmo Bank ranks 50th of 221 Minnesota banks on return on assets, in the upper half at 1.84% (Q2 2026). Lake Elmo Bank reported 1.84% on return on assets for Q2 2026, 0.58 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.14% |
| Tier 1 risk-based capital ratio | 16.14% |
| Total risk-based capital ratio | 17.39% |
| Tier 1 leverage ratio | 11.62% |
| Equity capital to assets | 11.35% |
| Tangible equity to tangible assets | 11.35% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.78% |
| Non-performing assets ratio | 0.79% |
| Net charge-off ratio | 0.26% |
| Texas ratio | 6.81% |
| Allowance for credit losses to loans | 1.33% |
| Reserve coverage of non-performing loans | 170.07% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.84% |
| Return on equity | 16.41% |
| Net interest margin | 4.29% |
| Efficiency ratio | 55.48% |
| Yield on earning assets | 5.48% |
| Cost of funds | 1.32% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.54% |
| Core deposits to total deposits | 93.67% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.32% |
| Securities to assets | 7.80% |
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 | 15.34% | 15.34% | 16.60% | 10.13% | 2.26% |
| Q4 2023 | 15.19% | 15.19% | 16.44% | 10.31% | 1.81% |
| Q1 2024 | 15.78% | 15.78% | 17.04% | 10.81% | 1.73% |
| Q2 2024 | 15.60% | 15.60% | 16.85% | 10.78% | 1.67% |
| Q3 2024 | 15.85% | 15.85% | 17.11% | 10.97% | 1.83% |
| Q4 2024 | 15.69% | 15.69% | 16.94% | 10.70% | 1.72% |
| Q1 2025 | 16.47% | 16.47% | 17.73% | 11.11% | 1.76% |
| Q2 2025 | 16.35% | 16.35% | 17.61% | 11.30% | 1.85% |
| Q3 2025 | 16.33% | 16.33% | 17.58% | 11.51% | 1.89% |
| Q4 2025 | 16.06% | 16.06% | 17.31% | 11.25% | 1.86% |
| Q1 2026 | 16.49% | 16.49% | 17.75% | 11.73% | 1.75% |
| Q2 2026 | 16.14% | 16.14% | 17.39% | 11.62% | 1.84% |
Lake Elmo Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake Elmo 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 Elmo Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15443) · FFIEC NIC profile (RSSD 1015850)