| Metric | Lake Elmo Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +4.9% | +1.0 pts |
| Deposit growth (YoY) | +5.5% | +4.3% | +1.2 pts |
| Loan growth (YoY) | +6.6% | +5.3% | +1.2 pts |
| ROA | 1.79% | 1.28% | +0.5 pts |
| ROE | 16.1% | 12.4% | +3.6 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $529.7M | $462.6M | $422.4M | $60.1M | $4.7M | 1.79% | 4.25% | 0.85% |
| Q1 2026 | $530.9M | $462.4M | $410.6M | $59.4M | $2.3M | 1.72% | 4.12% | 0.47% |
| Q4 2025 | $531.4M | $466.3M | $404.6M | $57.2M | $9.5M | 1.84% | 4.28% | 0.21% |
| Q3 2025 | $517.2M | $452.6M | $406.0M | $57.8M | $7.1M | 1.84% | 4.30% | 0.24% |
| Q2 2025 | $500.2M | $438.4M | $396.4M | $55.6M | $4.6M | 1.81% | 4.26% | 0.17% |
| Q1 2025 | $519.3M | $457.6M | $389.6M | $54.6M | $2.3M | 1.75% | 4.06% | 0.50% |
| Q4 2024 | $515.8M | $456.7M | $393.9M | $51.8M | $8.8M | 1.75% | 4.13% | 0.42% |
| Q3 2024 | $508.2M | $446.6M | $396.1M | $53.3M | $6.6M | 1.75% | 4.14% | 0.41% |
Loan mix (Q2 2026): real estate $364.4M · commercial $57.1M · consumer $6.1M · securities $41.3M
| Ratio | Lake Elmo Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 1.28% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 12.4% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.0% | 61.2% | 31th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Lake Elmo Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Lake Elmo Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Lake Elmo Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Lake Elmo Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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