BlastPoint's Banking Scorecard
Luminate Bank
Community
Specialty: Other
MN
FDIC cert 16635
Minneapolis, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Luminate Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 1% in Community
- + Profitability Leader: Top 6% in Community
Key Concerns
Areas that may need attention
- - Efficiency Ratio 24.60% above tier
- - Delinquency Rate 1.90% above tier
- - Non-Interest-Bearing Deposit Share 20.01% below tier
- - Nonperforming Asset Ratio 1.53% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$511.0M
+52.2% YoY
+12.1% QoQ
|
-$880.4M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$367.4M
+39.4% YoY
+11.6% QoQ
|
-$608.0M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$431.8M
+68.0% YoY
+17.9% QoQ
|
-$732.8M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
3.72%
+14.8% YoY
+2.5% QoQ
|
+2.55% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
4.20%
+46.3% YoY
+14.0% QoQ
|
+0.54% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
87.23%
-5.6% YoY
+0.8% QoQ
|
+24.60% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
2.53%
-26.1% YoY
-36.6% QoQ
|
+1.90% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
85.10%
-17.0% YoY
-5.3% QoQ
|
+2.03% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
1.04%
-56.2% YoY
-43.5% QoQ
|
-20.01% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 1% in tier |
| Nonperforming Asset Ratio ? |
2.03%
-26.8% YoY
-29.6% QoQ
|
+1.53% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? |
12.51%
-11.2% YoY
-1.6% QoQ
|
+2.26% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
25.71%
-39.5% YoY
+24.7% QoQ
|
+24.97% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#1 of 371 · Top 1% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
25.71%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
3.72%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Profitability Leader
growth
#23 of 371 · Top 6% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
3.72%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Concerns (4)
Efficiency Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
87.23%
(Tier avg: 62.63%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 6%
in Community
Why this stands out
Current:
2.53%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 1%
in Community
Why this stands out
Current:
1.04%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
2.03%
(Tier avg: 0.50%, National avg: 0.48%)
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
99
99th pctile
Return on Assets
Current: 3.72% · Tier avg: 1.16%
77
77th pctile
Net Interest Margin
Current: 4.20% · Tier avg: 3.66%
52
52th pctile
Tier 1 Capital Ratio
Current: 12.51% · Tier avg: 10.24%
51
51th pctile
Loan-to-Deposit Ratio
Current: 85.10% · Tier avg: 83.06%
10
10th pctile
Total Loans
Current: $367.4M · Tier avg: $975.5M
6
6th pctile
Delinquency Rate
Current: 2.53% · Tier avg: 0.63%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.03% · Tier avg: 0.50%
5
5th pctile
Efficiency Ratio
Current: 87.23% · Tier avg: 62.63%
3
3th pctile
Total Deposits
Current: $431.8M · Tier avg: $1.2B
1
1th pctile
Total Assets
Current: $511.0M · Tier avg: $1.4B
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 1.04% · Tier avg: 21.05%
Top Weaknesses
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 1.04% · Tier avg: 21.05%
1
1th pctile
Total Assets
Current: $511.0M · Tier avg: $1.4B
3
3th pctile
Total Deposits
Current: $431.8M · Tier avg: $1.2B
5
5th pctile
Efficiency Ratio
Current: 87.23% · Tier avg: 62.63%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.03% · Tier avg: 0.50%
6
6th pctile
Delinquency Rate
Current: 2.53% · Tier avg: 0.63%
10
10th pctile
Total Loans
Current: $367.4M · Tier avg: $975.5M
51
51th pctile
Loan-to-Deposit Ratio
Current: 85.10% · Tier avg: 83.06%
52
52th pctile
Tier 1 Capital Ratio
Current: 12.51% · Tier avg: 10.24%
77
77th pctile
Net Interest Margin
Current: 4.20% · Tier avg: 3.66%
99
99th pctile
Return on Assets
Current: 3.72% · Tier avg: 1.16%