How Big Is Minnesota Lakes Bank?
Minnesota Lakes Bank holds $136M in total assets and $121M in deposits, making it a community bank by U.S. standards. By total assets it is the 3,084th-largest of the 3,960 FDIC-insured banks we track. Those figures come from Minnesota Lakes Bank's latest FDIC call report (cert #23986); it is a local community institution, with $100 million to $1 billion in assets.
This page answers a common banking-safety question: How Big Is Minnesota Lakes Bank?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Minnesota Lakes Bank Size at a Glance
- Total assets
- $136M
- Total deposits
- $121M
- Domestic deposits
- $121M
- Size class
- community bank
- Rank by assets
- #3,084 of 3,960
- Headquarters
- Delano, Minnesota
Source: FDIC Call Report data (cert #23986). Figures reflect the latest reported quarter.
With $136M in total assets, Minnesota Lakes Bank is a local community institution, with $100 million to $1 billion in assets. Nationally, that makes it the 3,084th-largest of the 3,960 FDIC-insured banks we track. The bank funds those assets largely with $121M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.31% | 95/100 |
| Nonperforming Loan Ratio | 1.38% | 72/100 |
| Liquidity Ratio | 36.58% | 100/100 |
| Return on Assets | 1.41% | 76/100 |
| Total Assets | $0.1B | |
How does Minnesota Lakes Bank compare?
With a Bank Health Score of 87/100, Minnesota Lakes Bank sits 17.0 points above the national average of 70/100 for FDIC-insured banks. Within Minnesota, where 225 FDIC-insured banks are headquartered, Minnesota Lakes Bank ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 14.31% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 1.38% is in a normal range for a bank this size.
What changed in the last year?
Over the last four quarters, Minnesota Lakes Bank's Bank Health Score fell by 3.0 points to 87/100. Tier 1 capital strengthened by 0.16 percentage points to 14.31%.
Frequently Asked Questions
Minnesota Lakes Bank holds $136M in total assets and $121M in deposits, making it a community bank by U.S. standards. By total assets it is the 3,084th-largest of the 3,960 FDIC-insured banks we track. Those figures come from Minnesota Lakes Bank's latest FDIC call report (cert #23986); it is a local community institution, with $100 million to $1 billion in assets.
Minnesota Lakes Bank ranks 3,084th by total assets out of the 3,960 FDIC-insured banks BankHealth tracks. Its $136M in assets classify it as a community bank.
Minnesota Lakes Bank reports $136M in total assets and $121M in total deposits ($121M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. Minnesota Lakes Bank earns a Bank Health Score of 87/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $136M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. Minnesota Lakes Bank (FDIC certificate #23986) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Minnesota Lakes Bank
Minnesota Lakes Bank holds $136M in total assets and $121M in deposits, making it a community bank by U.S. standards. By total assets it is the 3,084th-largest of the 3,960 FDIC-insured banks we track. Those figures come from Minnesota Lakes Bank's latest FDIC call report (cert #23986); it is a local community institution, with $100 million to $1 billion in assets.