B
Minnesota Lakes Bank
DelanoMN
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Minnesota Lakes Bank
Delano, MN
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Rating B
Asset Quality Index 2.50
Capitalization Index 9.80
Liquidity Index 2.70
Profitability Index 6.80
Stability Index 6.30
Company Info Minnesota Lakes Bank
Delano, MN
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FDIC Number 23986
Phone Number (763) 972-3385
Website www.mnlb.bank/
Asset Quality Minnesota Lakes Bank
Delano, MN
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1-Year Asset Growth -4.16%
5-Year Asset Growth 5.60%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 1.89%
Non-Performing Loans to Capital 18.45%
Non-Performing Loans to Loans 2.75%
Balance Sheet Minnesota Lakes Bank
Delano, MN
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Total Assets 123.15M
Total Deposits 106.88M
Capital and Reserves Minnesota Lakes Bank
Delano, MN
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Capital 15.21M
Leverage Ratio 10.86
Loan Loss Reserves to Loans 0.76%
Risk-Based Capital Ratio 15.72
Liquidity Minnesota Lakes Bank
Delano, MN
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Hot Money Ratio 3.92%
Liquidity Ratio 6.97%
Profitability Minnesota Lakes Bank
Delano, MN
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5-Year Return on Average Assets 0.99%
Net Income 492.00K
Net Interest Spread 5.88%
Operating Profit to Average Assets 1.67%
Overhead Efficiency Ratio 70.12%
Return on Assets 1.56%
Return on Equity 13.09%