Is Lake Central Bank Safe?
Lake Central Bank has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (79/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.77% | 91/100 |
| Nonperforming Loan Ratio | 0.07% | 99/100 |
| Liquidity Ratio | 39.31% | 100/100 |
| Return on Assets | 1.47% | 79/100 |
| Total Assets | $0.3B | |
How does Lake Central Bank compare?
With a Bank Health Score of 94/100, Lake Central Bank sits 24.0 points above the national average of 70/100 for FDIC-insured banks. Within Minnesota, where 225 FDIC-insured banks are headquartered, Lake Central Bank ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 13.77% 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 0.07% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Lake Central Bank's Bank Health Score improved by 2.0 points to 94/100. Tier 1 capital strengthened by 0.20 percentage points to 13.77%.
Lake Central Bank has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (79/100).