Minnesota Lakes 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: 27.64 percentage points lower than in Q1 2026, at 45.22%. Minnesota Lakes Bank ranks 87th of 221 Minnesota banks on return on assets, in the upper half at 1.54% (Q2 2026). Minnesota Lakes Bank reported 1.54% on return on assets for Q2 2026, 0.29 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.84% |
| Tier 1 risk-based capital ratio | 16.84% |
| Total risk-based capital ratio | 17.99% |
| Tier 1 leverage ratio | 10.69% |
| Equity capital to assets | 11.73% |
| Tangible equity to tangible assets | 10.31% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.63% |
| Non-performing assets ratio | 1.53% |
| Net charge-off ratio | -0.36% |
| Texas ratio | 17.13% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 45.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.54% |
| Return on equity | 12.88% |
| Net interest margin | 6.20% |
| Efficiency ratio | 70.75% |
| Yield on earning assets | 6.66% |
| Cost of funds | 0.43% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.42% |
| Core deposits to total deposits | 95.64% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.45% |
| Securities to assets | 21.15% |
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 | 14.15% | 14.15% | 14.86% | 8.30% | 1.07% |
| Q4 2023 | 13.86% | 13.86% | 14.54% | 8.73% | 1.41% |
| Q1 2024 | 13.92% | 13.92% | 14.62% | 8.92% | 1.20% |
| Q2 2024 | 14.31% | 14.31% | 15.06% | 9.96% | 1.48% |
| Q3 2024 | 14.67% | 14.67% | 15.44% | 10.27% | 2.01% |
| Q4 2024 | 14.59% | 14.59% | 15.32% | 9.30% | 1.96% |
| Q1 2025 | 14.96% | 14.96% | 15.72% | 10.86% | 1.56% |
| Q2 2025 | 14.35% | 14.35% | 15.61% | 10.34% | -1.65% |
| Q3 2025 | 15.14% | 15.14% | 16.40% | 10.26% | 1.89% |
| Q4 2025 | 15.50% | 15.50% | 16.19% | 10.32% | 1.69% |
| Q1 2026 | 15.42% | 15.42% | 16.36% | 10.64% | 1.35% |
| Q2 2026 | 16.84% | 16.84% | 17.99% | 10.69% | 1.54% |
Minnesota Lakes Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Minnesota Lakes 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 Minnesota Lakes Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23986) · FFIEC NIC profile (RSSD 157650)