BlastPoint's Banking Scorecard
Lake Elmo Bank
Community
Specialty: Commercial
MN
FDIC cert 15443
Lake Elmo, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Lake Elmo Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 42% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$531.4M
+3.0% YoY
+2.7% QoQ
|
-$860.1M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$404.6M
+2.7% YoY
-0.4% QoQ
|
-$570.9M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
15% |
| Total Deposits ? |
$466.3M
+2.1% YoY
+3.0% QoQ
|
-$698.3M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
1.84%
+5.6% YoY
+0.0% QoQ
|
+0.68% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
4.28%
+3.8% YoY
-0.5% QoQ
|
+0.62% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
55.19%
-1.1% YoY
-0.1% QoQ
|
-7.44% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
0.06%
-83.4% YoY
-57.0% QoQ
|
-0.57% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 13% in tier |
| Loan-to-Deposit Ratio ? |
86.76%
+0.6% YoY
-3.3% QoQ
|
+3.70% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
26.16%
-0.4% YoY
-2.3% QoQ
|
+5.11% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.21%
-50.9% YoY
-14.9% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
16.06%
+2.3% YoY
-1.7% QoQ
|
+5.81% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.56%
+11.9% YoY
+38.8% QoQ
|
-0.18% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Overhang
risk
#114 of 268 · Bottom 42% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
16.06%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
86.76%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
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
88
88th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.16%
87
87th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
83
83th pctile
Tier 1 Capital Ratio
Current: 16.06% · Tier avg: 10.24%
80
80th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.66%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.16% · Tier avg: 21.05%
72
72th pctile
Efficiency Ratio
Current: 55.19% · Tier avg: 62.63%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
57
57th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.74%
44
44th pctile
Loan-to-Deposit Ratio
Current: 86.76% · Tier avg: 83.06%
15
15th pctile
Total Loans
Current: $404.6M · Tier avg: $975.5M
8
8th pctile
Total Deposits
Current: $466.3M · Tier avg: $1.2B
5
5th pctile
Total Assets
Current: $531.4M · Tier avg: $1.4B
Top Weaknesses
5
5th pctile
Total Assets
Current: $531.4M · Tier avg: $1.4B
8
8th pctile
Total Deposits
Current: $466.3M · Tier avg: $1.2B
15
15th pctile
Total Loans
Current: $404.6M · Tier avg: $975.5M
44
44th pctile
Loan-to-Deposit Ratio
Current: 86.76% · Tier avg: 83.06%
57
57th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.74%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
72
72th pctile
Efficiency Ratio
Current: 55.19% · Tier avg: 62.63%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.16% · Tier avg: 21.05%
80
80th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.66%
83
83th pctile
Tier 1 Capital Ratio
Current: 16.06% · Tier avg: 10.24%
87
87th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
88
88th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.16%