Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Lake Elmo, MN · FDIC certificate #15443
LAKE ELMO BANK is an FDIC-insured institution based in Lake Elmo, MN (FDIC certificate #15443). In its Q3 2026 Call Report it reported total assets of $546M, total deposits of $479M and net loans of $433M. Its primary federal regulator is FDIC.
Plain-language readout
LAKE ELMO BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $546M in Q3 2026 and were lowest at $530M in Q2 2026.
Total deposits were highest at $479M in Q3 2026 and lowest at $462M in Q1 2026.
Over the whole period total assets rose 2.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $546M | $479M | $433M | 1.69% | 15.23% | 4.27% |
| Q2 2026 | $530M | $463M | $422M | 1.79% | 16.08% | 4.25% |
| Q1 2026 | $531M | $462M | $411M | 1.72% | 15.69% | 4.12% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $46.7M | $59.9M | -$13.2M | -22.0% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $41.3M | $41.8M | -$480K | -1.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $627K | $750K | -$123K | -16.4% |
| Net loans and leases (after allowance) | $421.8M | $409.9M | +$11.9M | +2.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8.8M | $8.7M | +$110K | +1.3% |
| Other real estate owned | $865K | $865K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $9.6M | $9.0M | +$600K | +6.6% |
| Total assets | $529.7M | $530.9M | -$1.2M | -0.2% |
| Liabilities | ||||
| Total deposits | $462.6M | $462.4M | +$194K | +0.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $3.8M | $6.0M | -$2.1M | -35.7% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.2M | $3.2M | -$30K | -0.9% |
| Total liabilities | $469.6M | $471.6M | -$2.0M | -0.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $39.9M | $39.9M | $0K | 0.0% |
| Retained earnings | $22.0M | $21.3M | +$770K | +3.6% |
| Accumulated other comprehensive income | -$1.9M | -$1.9M | +$12K | +0.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $60.1M | $59.4M | +$782K | +1.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $4.5M | $2.5M | +$2.0M | +77.8% |
| Adjusted nonperforming assets | $4.5M | $2.5M | +$2.0M | +77.8% |
| Tangible equity plus allowance | $65.8M | $65.2M | +$675K | +1.0% |
| Texas ratio (gross) | 6.81% | 3.87% | +2.94 pts | See points |
| Texas ratio (adjusted) | 6.81% | 3.87% | +2.94 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 6.81% | 3.87% | +2.94 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.14% | 16.49% | -0.35 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.14% | 16.49% | -0.35 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.39% | 17.75% | -0.35 pts | See points |
| Tier 1 leverage (approximate) | 11.62% | 11.73% | -0.10 pts | See points |
| Construction and land loans to total capital | 40.75% | 40.93% | -0.18 pts | See points |
| Commercial real estate to total capital | 147.07% | 140.76% | +6.31 pts | See points |
| Dividend payout, year to date | 35.49% | 0.00% | +35.49 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.04% | -3.10% | +0.06 pts | See points |
| Liquidity | ||||
| Core deposits | $433.3M | $436.2M | -$2.9M | -0.7% |
| Non-core funding | $33.1M | $32.2M | +$963K | +3.0% |
| Loans to core deposits | 98.65% | 95.29% | +3.36 pts | See points |
| Loans to deposits | 92.41% | 89.89% | +2.51 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 86.70% | 80.55% | +6.15 pts | See points |
| Loans pledged, share of loans | 57.45% | 58.08% | -0.63 pts | See points |
| Volatile liabilities | $33.1M | $32.2M | +$963K | +3.0% |
| Earnings | ||||
| Earnings before provision, year to date | $5.7M | $2.8M | +$2.8M | +101.1% |
| Earnings before provision, single quarter | $2.8M | $2.8M | +$30K | +1.1% |
| Provision for credit losses, year to date | $504K | $327K | +$177K | +54.1% |
| Yield and cost | ||||
| Yield on loans and leases | 5.99% | 5.76% | +0.23 pts | See points |
| Yield on interest-bearing balances due from banks | 3.58% | 3.51% | +0.06 pts | See points |
| Total interest income to average assets | 5.34% | 5.13% | +0.21 pts | See points |
| Cost of interest-bearing transaction accounts | 0.13% | 0.13% | +0.01 pts | See points |
| Cost of savings and money market deposits | 1.45% | 1.27% | +0.19 pts | See points |
| Cost of time deposits | 3.48% | 3.50% | -0.02 pts | See points |
| Total interest expense to average assets | 1.16% | 1.10% | +0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $546M | $479M | $433M | 1.69% | 15.23% | 4.27% |
| 2026-06-30 | $530M | $463M | $422M | 1.79% | 16.08% | 4.25% |
| 2026-03-31 | $531M | $462M | $411M | 1.72% | 15.69% | 4.12% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| MN | $438.4M | 0.15% | 67 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.