Is Minnesota Lakes Bank Safe?
Minnesota Lakes Bank has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while loan quality is its weakest area (72/100).
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%.
Minnesota Lakes Bank has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while loan quality is its weakest area (72/100).