Lake Region Bank
New London, MN · Cert 10965 · Peer group: banks under $1B in assets in MN (n=111-113) · Kandi Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$153.0MAssets
$75.5MLoans
$139.1MDeposits
$12.9MEquity
Executive Summary
- Strongest standing: return on equity outperforms 91% of banks under $1B in assets in MN (rank 10 of 113).
- Widest gap: equity / assets trails 76% of banks under $1B in assets in MN (rank 86 of 113).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.56%
Rank 22 of 113
Net Interest Margin
4.35%
Rank 25 of 113
Efficiency Ratio
66.17%
Rank 76 of 113
Equity / Assets
8.44%
Rank 86 of 113
Non-interest income vs. expense
Unfavorable gap of $3.7M · efficiency ratio beats 34% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.56% | 0.87% | 1.20% | 1.41% | Beats 81% | 22 / 113 | | |
| Return on Equity | 18.45% | 8.92% | 11.27% | 13.99% | Beats 91% | 10 / 113 | | |
| Net Interest Margin | 4.35% | 3.42% | 3.88% | 4.31% | Beats 78% | 25 / 113 | | |
| Efficiency Ratio | 66.17% | 54.13% | 61.48% | 69.86% | Beats 34% | 76 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.58% | 1.82% | Beats 76% | 28 / 111 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 60% | 47 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 18.78% | 11.53% | 13.31% | 18.13% | Beats 76% | 27 / 113 | | |
| Total Risk-Based Capital Ratio | 19.67% | 12.12% | 14.43% | 19.39% | Beats 76% | 27 / 113 | | |
| Equity / Assets | 8.44% | 8.52% | 10.10% | 11.94% | Beats 24% | 86 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 54.32% | 62.08% | 77.32% | 88.06% | 14th pctl | 95 / 111 | | |
| Loans / Assets | 49.37% | 55.01% | 66.35% | 75.50% | 16th pctl | 95 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |