Minneapolis, MN · Cert 16635 · Luminate Capital Corp.
State charter, non-member · FDIC · 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 in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
51
Asset Quality
15
Profitability
75
Liquidity
0
Efficiency
2
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.
Minneapolis, MN · Cert 16635 · Luminate Capital Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.2% share · #42 of 125 inst. · $0.4B of $253.2B
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 | 3.49% | 2.64% | 0.55% | 2.03% | 2.88% | 2.95% | 2.50% | 2.44% | +40 bps | |
| Return on Equity | 26.28% | 20.63% | 4.89% | 19.10% | 27.79% | 29.08% | 25.57% | 24.88% | +578 bps | |
| Net Interest Margin | 2.23% | 2.27% | 3.01% | 2.95% | 2.70% | 3.32% | 3.39% | 3.40% | +45 bps | |
| Efficiency Ratio | 90.47% | 92.39% | 95.75% | 86.50% | 86.50% | 87.23% | 89.28% | 90.03% | +352 bps | |
| Non-Interest Burden | -2.42% | -1.26% | 1.80% | -1.41% | -1.19% | -0.63% | -0.15% | -0.05% | +136 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.28% | 49.70% | 51.50% | 25.50% | 65.24% | 52.17% | 51.56% | 34.44% | +894 bps | |
| Loan Growth (YoY) | 24.45% | 51.15% | 64.47% | 25.98% | 50.24% | 39.56% | 43.19% | 34.14% | +817 bps | |
| Deposit Growth (YoY) | 18.90% | 62.60% | 49.94% | 77.45% | 97.34% | 68.01% | 67.50% | 20.02% | -5,744 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.75% | 3.38% | 3.51% | 3.62% | 3.92% | 2.49% | 2.01% | 2.33% | -129 bps | |
| Net Charge-Offs / Loans | 0.76% | 0.64% | 0.80% | 4.02% | 2.65% | 1.93% | 0.92% | 0.49% | -354 bps | |
| Allowance / Loans | 1.39% | 1.18% | 1.05% | 1.55% | 1.59% | 1.29% | 1.01% | 0.97% | -58 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.3x | 0.3x | 0.4x | 0.4x | 0.5x | 0.5x | 0.4x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.11% | 11.84% | 10.72% | 10.27% | 8.97% | 10.09% | 10.00% | 10.40% | +13 bps | |
| Total Risk-Based Capital | 18.62% | 15.33% | 16.83% | 13.26% | 13.97% | 13.76% | 14.17% | 13.79% | +52 bps | |
| Equity / Assets | 14.22% | 11.34% | 11.35% | 9.50% | 9.65% | 9.54% | 10.00% | 9.84% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 119.94% | 103.78% | 116.22% | 98.32% | 91.32% | 86.20% | 99.35% | 109.89% | +1,157 bps | |
| Liquid Assets / Assets | 8.63% | 8.08% | 6.87% | 10.57% | 18.08% | 19.41% | 11.66% | 9.72% | -84 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 157.75% | 174.78% | 182.56% | n/a | n/a | |
Minneapolis, MN · Cert 16635 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Luminate Capital Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
2.32%
Rank 1 of 53
Net Interest Margin
3.40%
Rank 38 of 53
Efficiency Ratio
90.12%
Rank 53 of 53
Equity / Assets
9.84%
Rank 23 of 53
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.32% | 0.73% | 1.11% | 1.30% | Beats 98% | 1 / 53 | ||
| Return on Equity | 23.56% | 7.88% | 12.20% | 14.12% | Beats 98% | 1 / 53 | ||
| Net Interest Margin | 3.40% | 3.39% | 3.77% | 4.09% | Beats 28% | 38 / 53 | ||
| Efficiency Ratio | 90.12% | 56.05% | 65.05% | 71.57% | Beats 2% | 53 / 53 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.33% | 0.14% | 0.52% | 1.20% | Beats 15% | 46 / 53 | ||
| Net Charge-Offs / Loans | 0.29% | 0.00% | 0.01% | 0.08% | Beats 15% | 46 / 53 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.73% | 10.73% | 12.98% | 15.08% | Beats 47% | 28 / 53 | ||
| Total Risk-Based Capital Ratio | 13.79% | 11.49% | 13.79% | 16.34% | Beats 49% | 27 / 53 | ||
| Equity / Assets | 9.84% | 8.08% | 9.25% | 10.72% | Beats 57% | 23 / 53 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 109.89% | 72.13% | 82.29% | 93.80% | 92nd pctl | 4 / 53 | ||
| Loans / Assets | 81.80% | 63.64% | 71.80% | 79.37% | 85th pctl | 8 / 53 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||