Lake Country Community Bank
Morristown, MN · Cert 17122 · Peer group: banks under $1B in assets in MN (n=111-113) · Morristown Holding Co.
State charter, non-member · FDIC · 2 branches
Q2 2026
$31.5MAssets
$17.3MLoans
$28.2MDeposits
$3.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MN (rank 12 of 111).
- Widest gap: efficiency ratio trails 94% of banks under $1B in assets in MN (rank 107 of 113).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.22%
Rank 106 of 113
Net Interest Margin
4.39%
Rank 21 of 113
Efficiency Ratio
85.96%
Rank 107 of 113
Equity / Assets
9.96%
Rank 59 of 113
Non-interest income vs. expense
Unfavorable gap of $1.2M · efficiency ratio beats 6% 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 | 0.22% | 0.87% | 1.20% | 1.41% | Beats 6% | 106 / 113 | | |
| Return on Equity | 2.23% | 8.92% | 11.27% | 13.99% | Beats 6% | 106 / 113 | | |
| Net Interest Margin | 4.39% | 3.42% | 3.88% | 4.31% | Beats 81% | 21 / 113 | | |
| Efficiency Ratio | 85.96% | 54.13% | 61.48% | 69.86% | Beats 6% | 107 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.58% | 1.82% | Beats 100% | 12 / 111 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 20.34% | 11.53% | 13.31% | 18.13% | Beats 81% | 22 / 113 | | |
| Total Risk-Based Capital Ratio | 21.59% | 12.12% | 14.43% | 19.39% | Beats 81% | 22 / 113 | | |
| Equity / Assets | 9.96% | 8.52% | 10.10% | 11.94% | Beats 48% | 59 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 61.50% | 62.08% | 77.32% | 88.06% | 23rd pctl | 86 / 111 | | |
| Loans / Assets | 55.01% | 55.01% | 66.35% | 75.50% | 25th pctl | 85 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |