C
Luminate Bank
Rating Date
October 2025
Risk Based
Capital Ratio
13.26
Leverage
Ratio
10.27
Return On
Assets
2.55%
Total
Assets
412.45M
Capital
39.17M
Total
Deposits
343.91M
Net
Income
4.61M
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Weiss Ratings Luminate Bank
Minnetonka, MN 		Click to
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Rating C
Asset Quality Index 3.20
Capitalization Index 8.90
Liquidity Index 0.80
Profitability Index 6.90
Stability Index 6.70
Company Info Luminate Bank
Minnetonka, MN 		Click to
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FDIC Number 16635
Phone Number (952) 939-7200
Website www.luminate.bank
Asset Quality Luminate Bank
Minnetonka, MN 		Click to
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1-Year Asset Growth 25.50%
5-Year Asset Growth 103.73%
5-Year Charge-Offs to Average Loans 0.55%
Charge-Offs to Average Loans 4.72%
Non-Performing Assets to Assets 1.93%
Non-Performing Loans to Capital 18.46%
Non-Performing Loans to Loans 3.62%
Balance Sheet Luminate Bank
Minnetonka, MN 		Click to
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Total Assets 412.45M
Total Deposits 343.91M
Capital and Reserves Luminate Bank
Minnetonka, MN 		Click to
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Capital 39.17M
Leverage Ratio 10.27
Loan Loss Reserves to Loans 1.55%
Risk-Based Capital Ratio 13.26
Liquidity Luminate Bank
Minnetonka, MN 		Click to
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Hot Money Ratio 9.07%
Liquidity Ratio 12.62%
Profitability Luminate Bank
Minnetonka, MN 		Click to
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5-Year Return on Average Assets 1.56%
Net Income 4.61M
Net Interest Spread 3.28%
Operating Profit to Average Assets 2.60%
Overhead Efficiency Ratio 86.59%
Return on Assets 2.55%
Return on Equity 23.81%