BlastPoint's Banking Scorecard
Lake Region Bank
Micro
Specialty: Commercial
MN
FDIC cert 10965
Designations: ✓ Community bank
New London, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Lake Region Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 1.04% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$143.5M
+2.3% YoY
-1.3% QoQ
|
-$74.0M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$73.0M
+19.0% YoY
+1.7% QoQ
|
-$66.2M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$129.2M
+0.8% YoY
+1.2% QoQ
|
-$54.5M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
1.47%
+8.1% YoY
-9.1% QoQ
|
+0.39% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
4.53%
+5.3% YoY
+1.8% QoQ
|
+0.68% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
67.27%
-1.9% YoY
+0.3% QoQ
|
-0.45% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
0.03%
-85.3% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
56.52%
+18.1% YoY
+0.5% QoQ
|
-18.01% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
31.49%
-0.7% YoY
+1.8% QoQ
|
+9.10% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.02%
-84.8% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
20.41%
-8.5% YoY
+0.6% QoQ
|
+11.56% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
1.61%
-5.1% YoY
+42.1% QoQ
|
+1.04% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 4%
in Micro
Why this stands out
Current:
1.61%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Non-Interest Income / Assets
Current: 1.61% · Tier avg: 0.56%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.41% · Tier avg: 8.85%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.49% · Tier avg: 22.39%
80
80th pctile
Loan-to-Deposit Ratio
Current: 56.52% · Tier avg: 74.53%
80
80th pctile
Net Interest Margin
Current: 4.53% · Tier avg: 3.85%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
74
74th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.08%
47
47th pctile
Efficiency Ratio
Current: 67.27% · Tier avg: 67.73%
39
39th pctile
Total Deposits
Current: $129.2M · Tier avg: $183.7M
36
36th pctile
Total Assets
Current: $143.5M · Tier avg: $217.5M
31
31th pctile
Total Loans
Current: $73.0M · Tier avg: $139.2M
Top Weaknesses
31
31th pctile
Total Loans
Current: $73.0M · Tier avg: $139.2M
36
36th pctile
Total Assets
Current: $143.5M · Tier avg: $217.5M
39
39th pctile
Total Deposits
Current: $129.2M · Tier avg: $183.7M
47
47th pctile
Efficiency Ratio
Current: 67.27% · Tier avg: 67.73%
74
74th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.08%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
80
80th pctile
Net Interest Margin
Current: 4.53% · Tier avg: 3.85%
80
80th pctile
Loan-to-Deposit Ratio
Current: 56.52% · Tier avg: 74.53%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.49% · Tier avg: 22.39%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.41% · Tier avg: 8.85%
96
96th pctile
Non-Interest Income / Assets
Current: 1.61% · Tier avg: 0.56%