Luminate 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 Loan-to-deposit ratio: 10.53 percentage points higher than in Q1 2026, at 109.89%. On return on assets, Luminate Bank ranks 3rd highest among the 221 banks headquartered in Minnesota, at 3.16% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Luminate Bank reported 3.16% on return on assets in Q2 2026, 1.91 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.73% |
| Tier 1 risk-based capital ratio | 12.73% |
| Total risk-based capital ratio | 13.79% |
| Tier 1 leverage ratio | 10.40% |
| Equity capital to assets | 9.84% |
| Tangible equity to tangible assets | 9.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.33% |
| Non-performing assets ratio | 2.33% |
| Net charge-off ratio | 0.13% |
| Texas ratio | 22.33% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 41.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.16% |
| Return on equity | 30.75% |
| Net interest margin | 3.47% |
| Efficiency ratio | 90.68% |
| Yield on earning assets | 7.33% |
| Cost of funds | 4.46% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.89% |
| Core deposits to total deposits | 97.57% |
| Brokered deposits to total deposits | 0.71% |
| Deposits to assets | 74.43% |
| Securities to assets | — |
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 | 14.94% | 14.94% | 16.20% | 12.73% | 3.27% |
| Q4 2023 | 14.80% | 14.80% | 16.07% | 12.80% | -3.40% |
| Q1 2024 | 16.95% | 16.95% | 18.22% | 14.31% | 3.43% |
| Q2 2024 | 14.54% | 14.54% | 15.80% | 13.49% | 7.09% |
| Q3 2024 | 17.35% | 17.35% | 18.62% | 13.11% | 2.99% |
| Q4 2024 | 14.08% | 14.08% | 15.33% | 11.84% | 0.34% |
| Q1 2025 | 15.58% | 15.58% | 16.83% | 10.72% | 0.60% |
| Q2 2025 | 12.01% | 12.01% | 13.26% | 10.27% | 4.40% |
| Q3 2025 | 12.71% | 12.71% | 13.97% | 8.97% | 4.93% |
| Q4 2025 | 12.51% | 12.51% | 13.76% | 10.09% | 4.03% |
| Q1 2026 | 13.07% | 13.07% | 14.17% | 10.00% | 3.15% |
| Q2 2026 | 12.73% | 12.73% | 13.79% | 10.40% | 3.16% |
Luminate Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Luminate 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 Luminate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16635) · FFIEC NIC profile (RSSD 310754)