C
Luminate Bank
Rating Date
March 2026
Risk Based
Capital Ratio
13.76
Leverage
Ratio
10.09
Return On
Assets
3.65%
Total
Assets
511.05M
Capital
48.77M
Total
Deposits
431.80M
Net
Income
15.28M
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Weiss Ratings Luminate Bank
Minneapolis, MN 		Click to
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Rating C
Asset Quality Index 4.80
Capitalization Index 8.60
Liquidity Index 2.30
Profitability Index 9.80
Stability Index 6.70
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 52.17%
5-Year Asset Growth 113.38%
5-Year Charge-Offs to Average Loans 0.55%
Charge-Offs to Average Loans 2.17%
Non-Performing Assets to Assets 1.44%
Non-Performing Loans to Capital 12.01%
Non-Performing Loans to Loans 2.49%
Balance Sheet Luminate Bank
Minneapolis, MN 		Click to
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Total Assets 511.05M
Total Deposits 431.80M
Capital and Reserves Luminate Bank
Minneapolis, MN 		Click to
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Capital 48.77M
Leverage Ratio 10.09
Loan Loss Reserves to Loans 1.29%
Risk-Based Capital Ratio 13.76
Liquidity Luminate Bank
Minneapolis, MN 		Click to
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Hot Money Ratio 7.77%
Liquidity Ratio 22.80%
Profitability Luminate Bank
Minneapolis, MN 		Click to
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5-Year Return on Average Assets 1.56%
Net Income 15.28M
Net Interest Spread 3.98%
Operating Profit to Average Assets 3.68%
Overhead Efficiency Ratio 87.29%
Return on Assets 3.65%
Return on Equity 36.98%