C
Luminate Bank
Rating Date
August 2026
Risk Based
Capital Ratio
13.79
Leverage
Ratio
10.40
Return On
Assets
3.15%
Total
Assets
554.51M
Capital
54.59M
Total
Deposits
412.75M
Net
Income
8.09M
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Weiss Ratings Luminate Bank
Minneapolis, MN 		Click to
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Rating C
Asset Quality Index 4.90
Capitalization Index 9.10
Liquidity Index 1.70
Profitability Index 9.50
Stability Index 7.10
Company Info Luminate Bank
Minneapolis, MN 		Click to
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FDIC Number 16635
Phone Number (952) 939-7200
Website www.luminate.bank
Asset Quality Luminate Bank
Minneapolis, MN 		Click to
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1-Year Asset Growth 34.44%
5-Year Asset Growth 113.38%
5-Year Charge-Offs to Average Loans 0.94%
Charge-Offs to Average Loans 0.53%
Non-Performing Assets to Assets 1.33%
Non-Performing Loans to Capital 8.62%
Non-Performing Loans to Loans 2.33%
Balance Sheet Luminate Bank
Minneapolis, MN 		Click to
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Total Assets 554.51M
Total Deposits 412.75M
Capital and Reserves Luminate Bank
Minneapolis, MN 		Click to
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Capital 54.59M
Leverage Ratio 10.40
Loan Loss Reserves to Loans 0.97%
Risk-Based Capital Ratio 13.79
Liquidity Luminate Bank
Minneapolis, MN 		Click to
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Hot Money Ratio 6.17%
Liquidity Ratio 11.45%
Profitability Luminate Bank
Minneapolis, MN 		Click to
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5-Year Return on Average Assets 2.04%
Net Income 8.09M
Net Interest Spread 3.49%
Operating Profit to Average Assets 3.20%
Overhead Efficiency Ratio 90.12%
Return on Assets 3.15%
Return on Equity 31.28%