Luminate Bank
| Weiss Ratings |
Luminate Bank
Minnetonka, MN |
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| Rating | ||||
| Asset Quality Index | 4.90 | |||
| Capitalization Index | 9.60 | |||
| Liquidity Index | 0.10 | |||
| Profitability Index | 3.60 | |||
| Stability Index | 7.70 | |||
| Company Info |
Luminate Bank
Minnetonka, MN |
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| FDIC Number | 16635 | |||
| Phone Number | (952) 939-7200 | |||
| Website | www.luminate.bank | |||
| Asset Quality |
Luminate Bank
Minnetonka, MN |
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| 1-Year Asset Growth | 51.50% | |||
| 5-Year Asset Growth | 103.73% | |||
| 5-Year Charge-Offs to Average Loans | 0.55% | |||
| Charge-Offs to Average Loans | 0.83% | |||
| Non-Performing Assets to Assets | 1.23% | |||
| Non-Performing Loans to Capital | 9.68% | |||
| Non-Performing Loans to Loans | 3.51% | |||
| Balance Sheet |
Luminate Bank
Minnetonka, MN |
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| Total Assets | 341.35M | |||
| Total Deposits | 251.35M | |||
| Capital and Reserves |
Luminate Bank
Minnetonka, MN |
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| Capital | 38.74M | |||
| Leverage Ratio | 10.72 | |||
| Loan Loss Reserves to Loans | 1.05% | |||
| Risk-Based Capital Ratio | 17.01 | |||
| Liquidity |
Luminate Bank
Minnetonka, MN |
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| Hot Money Ratio | 14.67% | |||
| Liquidity Ratio | 10.07% | |||
| Profitability |
Luminate Bank
Minnetonka, MN |
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| 5-Year Return on Average Assets | 1.56% | |||
| Net Income | 523.00K | |||
| Net Interest Spread | 3.22% | |||
| Operating Profit to Average Assets | 0.68% | |||
| Overhead Efficiency Ratio | 95.86% | |||
| Return on Assets | 0.60% | |||
| Return on Equity | 5.45% | |||