Luminate Bank

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

$554.5MAssets

$453.6MLoans

$412.7MDeposits

$54.6MEquity

Executive Summary

Strongest standing: return on assets outperforms 98% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 1 of 53).
Widest gap: efficiency ratio trails 98% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 53 of 53).
Overall: at or above the peer median on 3 of 9 directional measures.

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

Non-interest income vs. expense

Favorable gap of $0.2M · efficiency ratio beats 2% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
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