BlastPoint's Banking Scorecard
Lake Country Community Bank
Micro
Specialty: Commercial
MN
FDIC cert 17122
Designations: ✓ Community bank
Morristown, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Lake Country Community Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 16.38% above tier
- + Tier 1 Capital Ratio 13.65% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.14% below tier
- - Efficiency Ratio 25.38% above tier
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$32.6M
-4.7% YoY
-3.9% QoQ
|
-$184.8M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$13.8M
+24.8% YoY
+0.1% QoQ
|
-$125.4M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$29.4M
-6.2% YoY
-3.9% QoQ
|
-$154.3M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
-0.06%
-147.4% YoY
-194.4% QoQ
|
-1.14% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
3.70%
+9.7% YoY
-0.0% QoQ
|
-0.15% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
93.11%
-1.2% YoY
+1.3% QoQ
|
+25.38% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
47.02%
+33.1% YoY
+4.2% QoQ
|
-27.50% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
38.78%
+18.5% YoY
+2.7% QoQ
|
+16.38% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? | 1.30% | +0.84% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
22.50%
-2.3% YoY
-1.2% QoQ
|
+13.65% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.10%
+15.5% YoY
+18.4% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
38.78%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
22.50%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (3)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
-0.06%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
93.11%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.78% · Tier avg: 22.39%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.50% · Tier avg: 8.85%
45
45th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.85%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.30% · Tier avg: 0.45%
11
11th pctile
Loan-to-Deposit Ratio
Current: 47.02% · Tier avg: 74.53%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
7
7th pctile
Efficiency Ratio
Current: 93.11% · Tier avg: 67.73%
6
6th pctile
Return on Assets
Current: -0.06% · Tier avg: 1.08%
4
4th pctile
Total Deposits
Current: $29.4M · Tier avg: $183.7M
4
4th pctile
Total Loans
Current: $13.8M · Tier avg: $139.2M
3
3th pctile
Total Assets
Current: $32.6M · Tier avg: $217.5M
Top Weaknesses
3
3th pctile
Total Assets
Current: $32.6M · Tier avg: $217.5M
4
4th pctile
Total Loans
Current: $13.8M · Tier avg: $139.2M
4
4th pctile
Total Deposits
Current: $29.4M · Tier avg: $183.7M
6
6th pctile
Return on Assets
Current: -0.06% · Tier avg: 1.08%
7
7th pctile
Efficiency Ratio
Current: 93.11% · Tier avg: 67.73%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
11
11th pctile
Loan-to-Deposit Ratio
Current: 47.02% · Tier avg: 74.53%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.30% · Tier avg: 0.45%
45
45th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.85%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.50% · Tier avg: 8.85%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.78% · Tier avg: 22.39%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%