Lake Crystal, MN · Cert 13809 · Lake Crystal Bcorp Inc.
National charter · OCC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
48
Asset Quality
63
Profitability
45
Liquidity
21
Efficiency
59
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lake Crystal, MN · Cert 13809 · Lake Crystal Bcorp Inc.
National charter · OCC · 2 branches
Q2 2026
Market Position · Mankato, MN · 2026 SOD (annual) · 5.2% share · #8 of 19 inst. · $0.2B of $3.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.77% | 0.89% | 0.90% | 0.91% | 0.80% | 1.00% | 1.07% | +17 bps | |
| Return on Equity | 8.20% | 8.04% | 8.33% | 8.35% | 8.35% | 7.38% | 8.99% | 9.89% | +154 bps | |
| Net Interest Margin | 3.22% | 3.20% | 3.28% | 3.31% | 3.38% | 3.39% | 3.53% | 3.49% | +18 bps | |
| Efficiency Ratio | 67.78% | 66.79% | 65.33% | 65.32% | 65.36% | 65.99% | 63.28% | 61.76% | -356 bps | |
| Non-Interest Burden | 2.07% | 2.01% | 2.02% | 2.05% | 2.10% | 2.13% | 2.13% | 2.05% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.39% | -6.90% | -10.40% | -5.89% | -8.31% | -4.62% | 0.44% | 5.54% | +1,144 bps | |
| Loan Growth (YoY) | -12.25% | -15.78% | -9.48% | -7.22% | -8.56% | -3.12% | 8.11% | 9.24% | +1,646 bps | |
| Deposit Growth (YoY) | -3.08% | -7.00% | -8.56% | -4.51% | -5.33% | -1.40% | 2.89% | 8.51% | +1,302 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.00% | 0.07% | 0.00% | 0.83% | 0.00% | 0.40% | 0.37% | 0.36% | -47 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0.25% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.46% | 1.57% | 1.61% | 1.61% | 1.69% | 1.50% | 1.38% | 1.37% | -24 bps | |
| Allowance Coverage of NPLs | 1.5x | 23.7x | n/a | 1.9x | n/a | 3.7x | 3.7x | 3.7x | +1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.37% | 10.61% | 10.92% | 10.90% | 11.12% | 11.20% | 11.32% | 10.38% | -52 bps | |
| Total Risk-Based Capital | 14.91% | 15.77% | 16.09% | 16.02% | 16.84% | 16.02% | 15.55% | 14.67% | -134 bps | |
| Equity / Assets | 10.21% | 10.57% | 10.75% | 10.88% | 11.26% | 11.10% | 11.10% | 10.25% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.37% | 95.06% | 93.79% | 94.88% | 91.15% | 93.41% | 98.55% | 95.53% | +64 bps | |
| Liquid Assets / Assets | 1.62% | 7.61% | 8.33% | 7.69% | 9.47% | 6.40% | 4.28% | 5.18% | -251 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 371% | 385% | 410% | n/a | n/a | |
Lake Crystal, MN · Cert 13809 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Lake Crystal Bcorp Inc.
National charter · OCC · 2 branches
Q2 2026
Return on Assets
1.04%
Rank 391 of 746
Net Interest Margin
3.49%
Rank 456 of 746
Efficiency Ratio
61.76%
Rank 310 of 746
Equity / Assets
10.25%
Rank 394 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.04% | 0.72% | 1.06% | 1.45% | Beats 48% | 391 / 746 | ||
| Return on Equity | 10.10% | 6.74% | 10.51% | 13.63% | Beats 47% | 394 / 746 | ||
| Net Interest Margin | 3.49% | 3.17% | 3.68% | 4.16% | Beats 39% | 456 / 746 | ||
| Efficiency Ratio | 61.76% | 55.74% | 64.58% | 75.47% | Beats 59% | 310 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.36% | 0.09% | 0.42% | 1.07% | Beats 55% | 334 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 71% | 218 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.42% | 11.55% | 13.75% | 17.60% | Beats 46% | 403 / 746 | ||
| Total Risk-Based Capital Ratio | 14.67% | 11.71% | 14.33% | 18.43% | Beats 52% | 358 / 746 | ||
| Equity / Assets | 10.25% | 8.90% | 10.51% | 13.06% | Beats 47% | 394 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.53% | 61.31% | 78.27% | 90.78% | 85th pctl | 111 / 746 | ||
| Loans / Assets | 84.41% | 53.60% | 66.97% | 76.08% | 94th pctl | 44 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||