Total Assets
$144M
Total balance-sheet footings
FDIC Cert #10965 · New London, Minnesota · Est. 1915
Lake Region Bank - FDIC Bank Health Profile
A community-scale look at Lake Region Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $144M
- Total assets
- A
- Health grade · Excellent
- 1.47%
- Return on assets
- 20.4%
- Tier 1 capital
Data updated July 2026
The verdict
Lake Region Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 20.41% Tier 1, profitable at 1.47% ROA, 67% efficiency ratio.
- #3,406
- largest of 4,313 FDIC banks by assets
- 21st
- percentile by asset size, nationally
- 20.41%
- Tier 1 ratio - above the 10% well-capitalized line
- 73rd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Lake Region Bank's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Lake Region Bank's composite health score
Tier 1 Capital Ratio (20.41%) 40/40
Return on Assets (ROA) (1.47%) 20/25
Texas Ratio (0.16%) 20/20
Efficiency Ratio (67.27%) 8/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$129M
Customer-funded liabilities
Net Loans
$73M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Lake Region Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Lake Region Bank's score of 88/100 falls in the highlighted band.
Lake Region Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Lake Region Bank's $144M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
20.41% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
20.41%
Texas Ratio
0.16%
Equity Capital
$13M
Profitability metrics
Return on Assets (ROA)
73rd percentile nationally
1.47%
Return on Equity (ROE)
17.39%
Efficiency Ratio
67.27%
What the numbers say about Lake Region Bank
Lake Region Bank is an FDIC-insured institution (Certificate #10965) headquartered in New London, Minnesota, established in 1915. It holds $144M in total assets - 3,406th of 4,313 FDIC-insured banks, $129M in customer deposits, and $73M in net loans. Looking at capital strength, Tier 1 stands at 20.41%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.16%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (88/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Lake Region Bank ranks 138th of 227 banks based in Minnesota -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$7M
Interest Income
$2M
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Lake Region Bank reports a Texas Ratio of 0.16% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.16% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Lake Region Bank (FDIC Cert #10965) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is Lake Region Bank's health grade?▼
Lake Region Bank receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Lake Region Bank?▼
Lake Region Bank holds $144M in total assets and $129M in deposits, ranking 3,406th of 4,313 FDIC-insured banks by asset size. It is headquartered in New London, Minnesota.
Is my money safe at Lake Region Bank?▼
Yes, deposits at Lake Region Bank (Certificate #10965) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Lake Region Bank's Tier 1 Capital Ratio?▼
Lake Region Bank has a Tier 1 Capital Ratio of 20.41%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Lake Region Bank?▼
Lake Region Bank has a Texas Ratio of 0.16%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Lake Region Bank?▼
Lake Region Bank has an Efficiency Ratio of 67.27%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Lake Region Bank's profile as a depositor or analyst.
- Lake Region Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Lake Region Bank against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.