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 | |